I see a few posts suggesting the idea of combining healthshare membership (such as Refuah or Liberty) with a Catastrophic (ACA) plan. My question is why?
Is it only to cover yourself for medical expenses exceeding $1,000,000 per medical incident, which is what the healthshare limit is (by both Refuah and Liberty)? Or is it something more than just that, that a Catastrophic plan will cover that a healthshare lacks?
Regarding Refuah vs. Liberty, the points I noticed in favor of Liberty is that Liberty pays 100% after the deductible ("unshared") is met whereas Refuah only pays 80%; and that Refuah charges families with more than four children on the plan more whereas Liberty does not; and Liberty's unshared (deductible) amounts are lower than Refuah's.