I am new to the insurance world. What are my options HSA, secondary insurance or just pay as I go?

Well not really but really. I just got kicked off my secondary and I am not sure what to do. I am so used to being able to go to the Dr without a worry in the world about the bills except for Dental. It's just me and my daughter. I was on the plan myself now I have to add my daughter. I am 56. I have thyroid issues, a horrible case of plantar fascitis that I was seeing a specialist about and just got disgnosed with prediabetes. I also want my daughter in good counciling.

So it's not a problem to add her to my insurance. My deductable is $500 now. $30 copays. I think they pay 80% on most stuff.

I am spoiled not having to deal with bills coming from every little thing that went on during that visit when I thought I had just got done paying the bill.

So my question is, do I start an HSA account, or are there places that do secondary insurance? I just talked to Aflac, it sounds like it's only for the major big stuff but at my age it's worth it but it's not for every day medical back up.

Does anyone have advise for me? How do I go about this is HSA worth it? If I do that, do I just put in what I think my estimated cost per year would be and hope for the best? It does roll over so I won't lose it if i dont use it.

Or is there a reasonable secondary that will cover that other half?

Any tips are welcome please. As long as they are respectful.

submitted by /u/Pheobe0228
[comments]