Here's the best part of all. For the past 8 years we have budgeted our medical expenses taking a hard look at each and every expense, seeking generic medications and always making a second thought of whether to go to the doctor. That all changes January 1, 2014. Since I am forced into a "better" plan, I plan to take full advantage of it from the very start. My deductible will only be $1800 for the year so it's going to be a race to get to my out of pocket maximum. I have already spoken to my Doctor and let them know that we will now require only brand-name medications, should probably get all those elective tests and when the sniffles hit on the weekends, here comes the Emergency Room. I just hope their are still doctors to meet my increased demand. If I have to pay for it, I will be using it.
Let the games begin!