• abraxas@sh.itjust.works
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    1 year ago

    Found the European (or just someone young who doesn’t know much about typical insurance shell-gaming).

    You have no copay, but most insurance plans include any non-preventative visit in the deductable. That means you are responsible for 100% of the bill until your $1500/yr deductible (in as low deductible-plan, a LOT higher in most plans) is reached. To look like they’re actually doing something, they treat the negotiated rate from the doctor’s MSRP as a “discount” (the doctor says $300, the insurance negotiates you to $200). The really ugly irony of that, is that if you were uninsured, many offices would have given you an NP for $70, and some have an “uninsured rate” of like $150.