Reply to When to use insurance and when not to and pay out of pocket?

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[quote=Anonymous][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]

I'm just short of my family deductible and currently pay 35 percent coinsurance.

I have 3 MRI and 1 CT scan coming up but unable to get an appointment for all of them in December. I got 2 appointments for Dec but the other 2 are pushed out to January. Those would have been free if I did them in Dec but no appointments available. Not sure whether to move them all to Jan but I am scared that if it's cancer I am losing time.

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