4 ms·
That used to be the case, but what I've experienced lately is the doctors will submit overpriced bill to insurance, insurance says, "oh you haven't hit your ann
by Clubber 8y ago
That used to be the case, but what I've experienced lately is the doctors will submit overpriced bill to insurance, insurance says, "oh you haven't hit your annual deductible yet," and passes the massively overpriced bill directly to me, no negotiation, no nothing.
I've gotten so I just ask what the out of pocket cost is to pay cheaper (usually 1/2 price), and they still manage to hose me with extra services.
It's a racket.
- liveoneggs 8y agoyou have a HDHP?
- Clubber 8y agoI keep it around $2000 to $3000, so it's not high for me. We go to the doctor about once or twice a year for random stuff, so it doesn't make financial sense to have a zero to low deductible. I want to protect from the hospital bills from something major though, like a car wreck. I'm not sure that those $50 copay per doctor visit right from the start are even available anymore. That's the insurance I had when I was a youngster.
- liveoneggs 8y agoif you have the legally-defined type of HDHP that could explain your bills because in HDHP-world you pay everything up-front until you reach your out-of-pocket yearly deductible (hopefully offset by using the HSA's tax savings; my job offers matching on HSA contributions that offset the premium cost entirely) I pay (a lot) extra for a traditional PPO and get the old-fashioned $20/$50/$75 deductible.
- fencepost 8y agoIf purchasing insurance through the Exchanges my experience was that this is not really clear unless you're paying attention to the exact phrasing in 1-2 places.