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

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[quote=Anonymous][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.

[/quote]

Did you sign up for cancellation lists? Or call every day to see if there is an opening. Its worth your time if you can get them performed after you meet your OOP Max and therefore wouldnt be responsible for cost sharing. [/quote]

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