I proposing you use your deductible. If you avoid the deductible and pay out of pocket, anything larger in the next year is going to cost you your deductible anyways. Paying $2000 out of pocket now and $2200 in 4 months, is paying less than $2200 now and nothing in the next 6 months. Assuming you have an accident in 6 months, but isn’t that what insurance is for?
Use up the deductible, then go and get some preventative stuff done for free. Have the dermatologist check your moles for cancerous stuff, get a physical/checkup, etc… It’s always good to get that stuff done if you’ve got some coverage for it.
This.
My wife had to have 2 unexpected surgeries last year, and we still didn’t hit the max out of pocket.
You’re still going to wind up paying less than if you’d just had a regular HMO, PPO or POS plan(even with the hit to your HSA). You’re not likely going to hit the max out of pocket unless something really awful happens. If it goes through your insurance, you’re going to get the discounted rates for “reasonable and customary” costs anyway, then the co-insurance will kick in. It’s kind of the whole point of having the HDHP and HSA.
oh… I misunderstood and agree. I thought beck was trying to say don’t bother negotiating while going through healthcare.
I’m definitely going through my plan unless it’s like 1/3 the price to pay cash.