This, for sure. Last year I had to get some x-rays and because they weren’t sure insurance would cover it, I saw something like $1600 USD out of pocket. Eventually I got $900 or so back, but it was months later. And this was on top of lab/blood work that only has limited coverage under preventative care, and often costs additional out of pocket to the tune of hundreds of dollars.
Oh and dental coverage being entirely separate, without full coverage, so I pay every few years between $600 and $800 for deep cleaning (periodontal disease, and that cost is with insurance).
And my CPAP stuff being terribly covered only through DMEs that upcharge for hardware and mask equipment to the point since 2017 I’ve paid out of pocket cash or via HSA to get what I need online because that’s cheaper and less hassle.
I can afford it these days and do the needful, but all this stuff is way more complicated and expensive than most can deal with.
This, for sure. Last year I had to get some x-rays and because they weren’t sure insurance would cover it, I saw something like $1600 USD out of pocket. Eventually I got $900 or so back, but it was months later. And this was on top of lab/blood work that only has limited coverage under preventative care, and often costs additional out of pocket to the tune of hundreds of dollars.
Oh and dental coverage being entirely separate, without full coverage, so I pay every few years between $600 and $800 for deep cleaning (periodontal disease, and that cost is with insurance).
And my CPAP stuff being terribly covered only through DMEs that upcharge for hardware and mask equipment to the point since 2017 I’ve paid out of pocket cash or via HSA to get what I need online because that’s cheaper and less hassle.
I can afford it these days and do the needful, but all this stuff is way more complicated and expensive than most can deal with.