Medical Insurance-Large Claims Only
What if you don’t need complex surgery performed? Or even a relatively simple procedure in Kenai Alaska? What if you just want a relationship with a family doctor?
Start with your insurance. Get as large a deductible as you can afford, that way your premiums are minimized. You’re paying for basically everything out-of-pocket until something really large and catastrophic comes along.
That’s what “medical insurance” is supposed to be all about, right? A lot of people are paying $1,200–1,800 a month, they have $15,000–20,000 of exposure to insurance premiums every year. If you have got a high deductible say $10,000, that works out to less than one year’s premiums in a more-typical plan. The next year, your out-of-pocket for all the wellness stuff, ( most of which is covered first dollar even on a high deductible plan) say $2,000, and your way ahead.
Pay the doctor out of pocket — so he doesn’t have to file insurance paperwork — and you’ll be his favorite patient, then hold your recites till the end of the annual deductible period in case you get past your deductible limit and need to claim them at that time.
Find a doctor who “gets it.” And the simplest way to do so is to run the doctor through two filters. First, avoid doctors employed by a hospital. “Any physician who’s working for a hospital is not working for that patient. Doctors must wear two hats because they are put under very high pressure to meet certain criteria. They have to order so many treadmill tests, or EKGs or chest X-rays. Stay away from huge multispecialty clinics. If you just use those two filters, you’ve ended up in the right office.