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Old 12-31-2011, 05:53 PM
 
Location: Georgia, USA
21,512 posts, read 26,128,168 times
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Quote:
Originally Posted by Stylo View Post
My deductible was $2000 and I didn't come close to that.
Then you are wise to choose an HSA. You get the tax break, the lower premiums, and then next year you can make another contribution. The money continues to accumulate, and if you do have an illness with significant expenses at some point, you will be prepared.

Folks who routinely meet the higher deductible might do better with a conventional plan with a lower deductible and slightly higher monthly premium.

Figuring out what is best for an individual can be very difficult, even for someone who some knowledge of the pros and cons of the different types of plans.
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Old 01-02-2012, 09:46 PM
 
Location: Cartersville, GA
1,253 posts, read 2,860,208 times
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Quote:
Originally Posted by Stylo View Post
<snip> ...She seemed unsure, but said a basic visit would be a bit over $100. I confirmed with her it would be under $200, and she said that a basic visit would be, but couldn't give an exact number depending on additional tests and follow-ups... <snip>.
I think many specialists charge over $200 for an initial visit. The receptionist did give you a disclaimer about the cost of additional tests. In many cases, not even the physician can tell you which tests will be needed until after the initial consultation is complete.

I had a physical exam recently. I am an established patient with this physician. The process was rather comprehensive, and included an EKG, lab work, and chest x-ray. The total bill was over $600. My out of pocket cost was fortunately much, much lower, since I have insurance, and since my MD is in network with my insurer. It just goes to show that the additional tests add up quickly.
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