For example, say I need an MRI, and I haven’t yet met my deductible, the price you have to pay using insurance is $3,000. However, the self-pay option is $800. I don’t understand why this is the case, but it is. But what if I choose the lower, self-pay options but keep track of and receipts for all my covered medical expenses while choosing to pay the lower, self-pay option, can those payments count towards my deductible if something happens and I do end up meeting my deductible?
I’m healthy and don’t foresee going over my deductible this year, but there’s always the possibility of an accident or a new illness. So, it seems stupid to pay 3-4x the cost of the same procedure/appointment if the only reason I’m paying the higher price is to have my insurance keep track of payments that go towards my deductible. If, however, I have to pay the much higher, through insurance price because that’s the only way for it to work towards your deductible, it might be worth it.
Does this make sense? I’m having a hard putting my question into words, but hopefully I accomplished it.
submitted by /u/Texaskate
[link] [comments]For example, say I need an MRI, and I haven’t yet met my deductible, the price you have to pay using insurance is $3,000. However, the self-pay option is $800. I don’t understand why this is the case, but it is. But what if I choose the lower, self-pay options but keep track of and receipts for all my covered medical expenses while choosing to pay the lower, self-pay option, can those payments count towards my deductible if something happens and I do end up meeting my deductible? I’m healthy and don’t foresee going over my deductible this year, but there’s always the possibility of an accident or a new illness. So, it seems stupid to pay 3-4x the cost of the same procedure/appointment if the only reason I’m paying the higher price is to have my insurance keep track of payments that go towards my deductible. If, however, I have to pay the much higher, through insurance price because that’s the only way for it to work towards your deductible, it might be worth it. Does this make sense? I’m having a hard putting my question into words, but hopefully I accomplished it. submitted by /u/Texaskate [link] [comments]Read Morer/HealthInsurance