This is why I prefer the Kaiser Permanente system. It has its drawbacks but there is much better out of pocket cost certainty. When I go to ER, I know exactly w

This is why I prefer the Kaiser Permanente system. It has its drawbacks but there is much better out of pocket cost certainty. When I go to ER, I know exactly what it will cost. $100 if not admitted or $0 if admitted. My blood tests are $20 per draw as are my doctor visits. I'm also on dialysis so use them a lot. However they set it up to exclude copay for 1 visit and blood draw per month. So my OOP costs are pretty low despite my health situation.