Based on my experience with my Insurer From Hell, I can tell you what the doctor says the visit costs, what his employer says the visit costs, what my insurer says the visit costs and what I'm told at the paperwork station about its cost. The cool thing is that you get four wildly different answers.
If you think HSAs are the way, with some sort of catastrophic insurance to gild the lily, cheers. How would you address people with chronic illnesses? Pay for treatment until they can't anymore? Then what?
Bookmarks