High Deductible Health Insurance Plan

[Anonymous]

People, just do the f-ing math on these plan choices or have a chatbot do it for you!

[Anonymous]

Anonymous wrote:

Anonymous wrote:I really don't know how you all do it. I need a mammogram. E-mailed a clinic in EU (my friends are checking a few more clinic for me) and will get it done for $200. Tickets to EU are $500 and I get to see my family.
The clinic wrote 170 euroes two times to make sure I noticed the 'high cost'.
The only reason I'm paying for a health plan in US I won't even use, is to avoid DC fine. It's $630 a month and I guard my insurance card more than my SS number or credit cards. I want nobody to have it and nobody to use it.
Now I got a HSA debit card in the mail that I will never use or even activate. It might accrue a fee even if I don't activate it.
My kid inherited an HSA. We were told that the person who passed away should have logged into the account to get the tax documents or the minor child who inherited it.
After I called and they promised to send out the tax documents, they still didn't. Why do I even want to go near an HSA. It's not a triple tax savings/advantage for us. Nobody considers that some of don't benefit from it because of our low tax expense. HSA is pain for us.
If I offer to pay cash and not use my insurance, I'm turned down by a doctor or get several bills after I leave the office. Doesn't matter if I ask for the final bill over and over again and record it all.
Once we got a bill for dentist we paid 2 years earlier. Luckily it was on credit card. I have so many stories of extra bills and we only go for yearly check ups for the kid. I skip some of mine.
Dealing with the health care in US will kill me, not any disease.

What is this dribble? FYI, mammograms in the US are free if you have a health care plan.

I don't know what that dribble was, but if you've had a suspicious (but ultimately fine) mammo in the past, they are often NOT covered as preventive since the radiologist may also be doing additional tests. That happened to me for about 3 years. I don't even know how I somehow got back to the "totally preventive" coding route since none of my docs changed in the process.

You are right, though, the mammos should be covered 100% - assuming they are coded by the radiologist office as Preventive, not diagnostic.

[Anonymous]

Anonymous wrote:People, just do the f-ing math on these plan choices or have a chatbot do it for you!

I think people are finding that even doing all that and choosing to pay cash at the doctor are being refused.

[Anonymous]

It’s true that medical places don’t like to accept cash when you have insurance. We tried to pay cash for stitches at an urgent care and they pushed back so hard when they sensed that we actually did have it (she would not give us a price difference so we were having a quiet discussion about whether to risk a much higher price and use our insurance). They get more money if we use insurance, even if we pay it all ourselves with a high deductible plan. It should not be legal to charge different people different things. How is it not discrimination?