Wow, you folks are lucky. One visit to a clinic here costs $144 minimum, plus doctor, lab and any other fees. Tough to afford insurance that has a low deductible OR to pay the medical bills. But, maybe we and Detorie shouldn’t get into that discussion.
@skeeterhawk, you need high deductible insurance. With no insurance, you pay list price - which is grossly inflated since it is the only bargaining tool providers have versus insurance companies. With high deductible, you pay the negotiated price. Plus, your pay your medical expenses through an HSA account, which is an adjustment to income - i.e. tax free both state and federal. The cost of high deductible insurance plus your maximum deduction (you are very sick) is the same as an HMO. But, if you manage to stay healthy, you keep the money in your HSA account. (It is available without a penalty at retirement.)
If you are paying many inflated list prices for doctors, a high deductible policy could pay for itself just on the negotiated savings alone. Look into it.
COWBOY7 over 14 years ago
That’s about the size of it for sure!
carmy over 14 years ago
They’ll get you every time!
Plods with ...™ over 14 years ago
Only cost my Mom $75 to find out my dad wasn’t deaf Just ignoring her.
GROG Premium Member over 14 years ago
Was it worth it?
skeeterhawk over 14 years ago
Wow, you folks are lucky. One visit to a clinic here costs $144 minimum, plus doctor, lab and any other fees. Tough to afford insurance that has a low deductible OR to pay the medical bills. But, maybe we and Detorie shouldn’t get into that discussion.
alondra over 14 years ago
Looks like he’s cured though.
Ermine Notyours over 14 years ago
Prices have gone up in two years.
stuart over 14 years ago
@skeeterhawk, you need high deductible insurance. With no insurance, you pay list price - which is grossly inflated since it is the only bargaining tool providers have versus insurance companies. With high deductible, you pay the negotiated price. Plus, your pay your medical expenses through an HSA account, which is an adjustment to income - i.e. tax free both state and federal. The cost of high deductible insurance plus your maximum deduction (you are very sick) is the same as an HMO. But, if you manage to stay healthy, you keep the money in your HSA account. (It is available without a penalty at retirement.)
If you are paying many inflated list prices for doctors, a high deductible policy could pay for itself just on the negotiated savings alone. Look into it.