Mom-ninja. Posted June 11, 2012 Share Posted June 11, 2012 (edited) Do you just have one of those catastrophe policies that covers expenses for major things, and you self pay for things like regular Dr. appointments? Do you like it? How does it work at the Dr's office? Have you run into problems? I'm trying to figure out what the average cost is for a regular visit. Our insurance is so awful. The irony is that dh works for a HOSPITAL and we have such crappy insurance as far as cost and coverage. For example he took our youngest to urgent care for a high fever. He was tested for strep. So the office visit and test cost with our insurance $175. Here's the kicker. If we were self pay patients the total cost for the SAME treatment costs $150. So we ended up paying MORE out of pocket through our insurance than if we were self pay. Talk about screwed up! Dh has been to HR many many times, and they shrug and say that's what we pay and be happy with it. Now, my cardiologist wants to have me wear a heart monitor. Our insurance doesn't cover any of it. So, we're looking at paying $800 out of pocket that will NOT be going to our deductible. We're seriously considering changing insurance on our own because dh's employer only offers the one (stupid sucky) plan. Edited June 11, 2012 by Kleine Hexe Quote Link to comment Share on other sites More sharing options...
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