I am soon to finally retire and end my reign as OMY champion (I think). This means losing the employer health insurance subsidy and going onto COBRA at about $12k/yr. This is about the same cost as an individual plan for me and DW. The big difference is the $3k family deductible vs an individual $6k deductible. I think I'll keep the COBRA but it goes away after 18 months.
For me and possibly others, is it worth paying cash to individual doctors for a presumed lower pre-arranged cost rather than put things on insurance where I would never expect to meet the deductible? Does anyone have experience doing this? If worthwhile, how is the best way to negotiate below PPO rates?
For me and possibly others, is it worth paying cash to individual doctors for a presumed lower pre-arranged cost rather than put things on insurance where I would never expect to meet the deductible? Does anyone have experience doing this? If worthwhile, how is the best way to negotiate below PPO rates?