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Health and Medicine
Reply to "When to use insurance and when not to and pay out of pocket?"
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[quote=Anonymous][quote=Anonymous]I don’t understand. Are you comparing out of pocket expenses?[/quote] Yes. I'm comparing whether it is just better to do self pay for expensive tests versus using insurance and asking what people with high deductibles do? I have a deductible to meet which is 4000k - and after that I pay 35% coinsurance until the family deductible 10K is reached. So when I used insurance to pay for an MRI this year, I paid $3800. After a doc visit that took me to $4000, I started paying 35% of whatever the cost of test or my doc visit was. Adding all that up is still 2K more than what I would have paid if I didn't use my insurance card at all for any of that and did self pay the entire year. For example, a CT scan w/wo contrast is $2000 with insurance - which I have to pay out of pocket until I meet 4K deductible. Without insurance it is $1000.[/quote]
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