I looked at my policy online. Looks like I have a $40 copay, and 70% in network and 50% out of network for most items.
My wife and kid’s grandfathered kaiser plan is 600 something a month. I looked into getting on her plan but it wouldn’t save me much. I think we are happy with the care at Kaiser for my son, and she is happy personally, but I hate the idea you have to go see your primary to go see a dermatologist etc.
It just seems that there is a better strategy out there. For example, maybe get the highest possible HSA detectable plan, join a concierge doctor group, get an executive physical over at sharp every other year ($2,500), see the specialists you want and negotiate cash rates. Obviously, the above is not cheap. I’m okay with spending $750 a month, but I want something for my money.
Right now, I’m spending 10k a year in premiums for myself and I can’t get into an urgent care.
I learned years ago that it was cheaper to negotiate cash for an mri on my knee, than go through my insurance.
They average family was suppose to save money on Obama care. What happened? Doctors, insurance companies, and hospitals are all crying they aren’t making any money.
Who is making all the money??? I think the industry could use some transparency.
