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Reply to "When to use insurance and when not to and pay out of pocket?"
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[quote=Anonymous]The years I had expensive tests (multiple MRIs, biopsies, etc.) I used insurance because I knew that I would meet my deductible of $6000, which I did by Spring. It would have ultimately been much more via self pay. Testing went on through December and then I also squeezed other visits I normally would have put off so that I wouldn't have to pay the normal OOP costs, got 90-day prescriptions filled, etc. It's a crapshoot, really. IME, I haven't been able predict what I'll use in a single year beyond the one year of serious illness.[/quote]
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