If you have good insurance, this is absolutely what it can be. My work pays for mine, and the max out-of-pocket is $3.6k/yr. I had already hit my max, then wound up with a $4k ER visit, so it wound up being free. Unfortunately, most insurance is fucking awful unless your company is willing to pay a shitton for some very expensive plan.
They do, but of course it depends on your company offering it.
The combination of “high deductible health plan” (cover everything after $x,000) and a “health savings account” (set aside pretax money, accumulate and invest) really seem like a solid improvement over everything else. If your company offers it. If you can afford to keep at least the full annual deduction in an HSA
That being said I’ve never been able to take advantage so I could easily be wrong. I currently pay for “old fashioned insurance” which really is the way your parents remember it,covers everything, low deductible and copay no out of network nonsense, but oh so expensive. Y’all with crappy insurance can at least applaud not paying premiums I’m stuck with
Pretty much every plan has an annual out of pocket max, and in order to be listed on an exchange it has to be under $9,200 for an individual or $18,400 for a family. Balance billing is also now illegal, so whatever the insurance won’t pay can’t be billed to you. That’s the bare minimum, and it’s already the law.
So if you can find a plan that will cover any doctor you find (even if “out of network”), you can have what you’re looking for. It probably won’t be cheap, but what you’re asking for is in most plans in some way or another.
Yeah, I wish health insurance was just “you’ll never pay more than 20k a year on medical bills” or something like that. Let me find my own damn doctor
If you have good insurance, this is absolutely what it can be. My work pays for mine, and the max out-of-pocket is $3.6k/yr. I had already hit my max, then wound up with a $4k ER visit, so it wound up being free. Unfortunately, most insurance is fucking awful unless your company is willing to pay a shitton for some very expensive plan.
They do, but of course it depends on your company offering it.
The combination of “high deductible health plan” (cover everything after $x,000) and a “health savings account” (set aside pretax money, accumulate and invest) really seem like a solid improvement over everything else. If your company offers it. If you can afford to keep at least the full annual deduction in an HSA
That being said I’ve never been able to take advantage so I could easily be wrong. I currently pay for “old fashioned insurance” which really is the way your parents remember it,covers everything, low deductible and copay no out of network nonsense, but oh so expensive. Y’all with crappy insurance can at least applaud not paying premiums I’m stuck with
Pretty much every plan has an annual out of pocket max, and in order to be listed on an exchange it has to be under $9,200 for an individual or $18,400 for a family. Balance billing is also now illegal, so whatever the insurance won’t pay can’t be billed to you. That’s the bare minimum, and it’s already the law.
So if you can find a plan that will cover any doctor you find (even if “out of network”), you can have what you’re looking for. It probably won’t be cheap, but what you’re asking for is in most plans in some way or another.