Well, you know, if it had been cancer, that would have been the first step in treating it. I'm almost rethinking my stance that free preventive care is great (thanks, Obama!) because it's the people with stuff wrong who need the benefits more!

I don't know, my insurance kind of screws me over regarding annual wellness visits and ongoing psychiatric care when it doesn't exceed the deductible, but on the other hand I've only had to pay a fraction of hospitalization costs. I'd rather get dinged for a few hundred dollars every year in a predictable fashion than for thousands in unexpected emergencies.

That's the idea of the high deductible insurance, that it''ll be there when you get hit with something really expensive and won't have to go bankrupt, but meanwhile you have to be able to afford the deductible. I think last time i had one of those I also had some kind of HSA that the employer matched paycheck deductions into up to a certain amount and that was meant to cover the deductible. Which worked pretty well. But I don't think that's the norm, people go with high deductible insurance because it brings their premiums down and then have to come up with the money to cover the deductible for stuff that falls in between.

I really just don't think people should have to pay for necessary mnediacl treatments, when you get right down to it. Public good.

Maybe almost relatedly, I definitely do not have my desk ergonomically adjusted right now. In shoving the elliptical under there I readjusted a bunch of stuff and I can already feel it in my shoulders and back.

Hubby and I used to play "How soon in the year will we meet the deductible?" One year it was the second week of January. We cheered ourselves up with how pissed the accountants must be when he went in for expensive MRIs late in the year that were fully covered.

I'd rather get dinged for a few hundred dollars every year in a predictable fashion than for thousands in unexpected emergencies.

Yeah, same. I guess?

I really just don't think people should have to pay for necessary medical treatments, when you get right down to it. Public good.

In fact, I think this.

I had a high deductible plan with HSA (no employer contributions) and it worked okay, but it was still hella expensive.

I think the problem is that the definition of "high" has changed and is not what most people would agree on! I mean, especially given that recent survey that some ridiculous percent of Americans would have a hard time coming up with $400 if they had an unexpected bill?

I mean, it's one thing if your insurance is hella cheap because you have a 5k deductible. But it seems like these days even the "regular" fairly expensive insurance has a $1500 or $2000 deductible!

My company-provided High-Deductible Health Plan has a $2,500 deductible, then I pay 30% of covered expenses until I hit the $6,200 out-of-pocket annual maximum.

I am extremely fortunate not to have had to use it yet.

Damn it, you guys, I was searching old Natter threads for recommendations of which model of Fitbit to get*, and I just ended up getting posts from Ginger and ita and now I am sad.

*(Yeah, so, we have one full-length mirror in the house, sort of behind the bedroom door, so I'll check an outfit before I leave the house -- sometimes -- but that's about it. But the hotel I stayed at had a huge wall section of mirror, and...it was visual confirmation of the fact that my jeans have gotten tight again. [Yes, because it's the jeans' fault.] So I think a Fitbit would give me data I can track [because nerd] and accountability/motivation. Because my goodness, my beer belly is well and truly a keg.)

But anyway, what model of Fitbit do people have and/or what model would you recommend?