Does your plan not give you free preventative visits? DH's plan does say there's no charge for a preventative visit. There isn't for me either on a PPO plan. I thought with Obamacare, preventative visits had to be free.
Yup, I do worry about the accident part of it. But he does have the HRA part of it and contributes to that. Unfortunately, his dad had just upped to a really high deductible plan right before his heart attack because he was healthy and didn't have any history of high blood pressure, heart disease, or high cholesterol. So new deductible to meet, and an even higher one.