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[quote=Anonymous][quote=Anonymous]I have a high deductible plan. For example, I just paid a $25 co pay for a sick visit and will probably get a bill for about $100 for taking my kid in for a sick visit and flu/strep test. They give you the insurance rate, but then you pay the difference. It's not free by any means like you are probably used to. Out of network I pay the whole thing. 
If I submitted my therapy bills, which are $230 a week, I would get $0 back, and only about $70 each time goes toward deductible. 
Took my kid to physical therapy, they charged my insurance about $400 for basically doing nothing, and I was responsible for $150. It's such a racket. [/quote]

It's a horrible system and I am surprised people aren't protesting in the streets for this, if they only realize how we are getting ripped off and having such poor quality healthcare.  I had high deductible plans my entire life, also bought personal insurance as self employed and through employers.  PPO plans, which is what I prefer are pricey and quality of service you get from providers is terrible.  You have flexibility to choose any provider though and you don't need approvals (which is the reason for PPO, because, unfortunately, I find quality of care to be terrible and need ability to switch quickly).

You basically pay twice, because your premiums are high, your deductible is high and if you are reasonably healthy you are just overpaying for very mediocre care that shouldn't cost nearly as much as you are paying for it.  You only come out ahead when you hit your max out of pocket (many thousands of dollars) because of some surgery you need or giving birth or anything major and catastrophic.

Sorry, OP, I lived in this world for decades.  If you are embarking on this journey now, welcome to hell. [/quote]

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