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

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[quote=Anonymous][quote=Anonymous]Strategy when to use insurance and when not to?? Do you all do some tests with and some without insurance?

MRI with insurance - $3800 
MRI without insurance costs - $1100

What do you all do when it comes to expensive tests like these?

When I look at the estimates for no insurance, if I had not used insurance for all my tests this year I would have saved 2K.[/quote]

I am not sure I understand why you wouldnt use insurance since it applies to your deductible. You basically met your 4k deductible and now pay coinsurance. The only way to figure out if it was a poor choice or not would be to get through the entire year using insurance and then change this one MRI to self pay- and see if you would pay less?

If youre getting multiple expensive tests you were going to meet your deductible anyways, you just would have paid 1100 cash that doesnt apply to your deductible thus any charges after the MRI would have then applied to the deductible using your insurance but you would have needed to pay 4k to get to the coinsurance portion. It seems like you would be delaying the inevitable.

The question isnt always self pay or bill to insurance its self pay with no insurance vs using insurance. Dental works out that way for us since I can get us seen for 325x2 and 375x2 which is less than the premium offered by my employer. The dental insurance still requires copays and coinsurance for services so I end up paying less for regular q6mo dental care for 4 people (xrays, 2 cleanings, treatments) than I would paying the premiums plus copays for those services. The caveat is, of course, costs beyond regular dental care but the dental insurance doesnt really cover much and that's why both my husband and I have HSAs funded. 
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