4 ms·

We don’t have insurance. We find the lowest price and pay it. This year alone we’ve saved thousands using stuff like GoodRx and just paying cash. Edit: not to

We don’t have insurance. We find the lowest price and pay it. This year alone we’ve saved thousands using stuff like GoodRx and just paying cash. Edit: not to mention no premiums.

Someone1234 6y ago
Which is helpful, but you shouldn't be in that position and it is really just a dice roll away from becoming unsustainable. The system is horribly broken. GoodRx helps people, but GoodRx are a symptom of a much bigger problem rather than a solution.
JMTQp8lwXL 6y ago
It's a strategy that works for the small things: a doctor's visit for the flu, ubiquitously manufactured cheap prescription drugs, etc. It's when you face a real medical emergency and have a six-figure hospital bill, that you truly need health insurance.
- klenwell 6y ago
  NPR reported a story like this this week: https://www.npr.org/sections/health-shots/2020/08/25/904517805/veterans-appendectomy-launches-excruciating-months-long-battle-over-bill https://www.npr.org/sections/health-shots/2020/08/25/9045178... They are not hard to find. This one also included some dodgy billing practices by the medical provider. Consistent with industry standards.
- sneak 6y ago
  You can do both: carry insurance and not use it outside of catastrophies, and just pay cash for most minor/routine things. This is what I do.
  - timbo1642 6y ago
    What you're doing makes zero sense. A physical is EXPENSIVE, so why pay for it? Doctors visits aren't cheap either. Also makes no sense to pay cash for RX drugs in almost all cases
- rurp 6y ago
  Of course even with insurance you might end up owing huge amounts. A friend of mine was in a terrible accident, had insurance, and still racked up massive bills. The last number I heard from him was $800k and he was wondering if it would get over a million. I have insurance now but have gone without it at times and really don't know what the best route is. If I get injured badly with insurance I know there's still a decent chance I'm ruined financially.
samename 6y ago
What else do you use besides GoodRx?

We don’t have insurance. We find the lowest price and pay it. This year alone we’ve saved thousands using stuff like GoodRx and just paying cash. Edit: not to mention no premiums.

Someone1234 6y ago

Which is helpful, but you shouldn't be in that position and it is really just a dice roll away from becoming unsustainable. The system is horribly broken. GoodRx helps people, but GoodRx are a symptom of a much bigger problem rather than a solution.

JMTQp8lwXL 6y ago

It's a strategy that works for the small things: a doctor's visit for the flu, ubiquitously manufactured cheap prescription drugs, etc. It's when you face a real medical emergency and have a six-figure hospital bill, that you truly need health insurance.

klenwell 6y ago
NPR reported a story like this this week: https://www.npr.org/sections/health-shots/2020/08/25/904517805/veterans-appendectomy-launches-excruciating-months-long-battle-over-bill https://www.npr.org/sections/health-shots/2020/08/25/9045178... They are not hard to find. This one also included some dodgy billing practices by the medical provider. Consistent with industry standards.
sneak 6y ago
You can do both: carry insurance and not use it outside of catastrophies, and just pay cash for most minor/routine things. This is what I do.
- timbo1642 6y ago
  What you're doing makes zero sense. A physical is EXPENSIVE, so why pay for it? Doctors visits aren't cheap either. Also makes no sense to pay cash for RX drugs in almost all cases
rurp 6y ago
Of course even with insurance you might end up owing huge amounts. A friend of mine was in a terrible accident, had insurance, and still racked up massive bills. The last number I heard from him was $800k and he was wondering if it would get over a million. I have insurance now but have gone without it at times and really don't know what the best route is. If I get injured badly with insurance I know there's still a decent chance I'm ruined financially.

samename 6y ago

What else do you use besides GoodRx?