Health

Our insurance plan will renew on December 1st, which unfortunately means that the clock will also reset on our deductible. With a high deductible insurance plan my husband and I will have to shell out $3000 before our insurance kicks in any money for doctors visits or prescriptions. This is only the second year we’ve … Read more

I sat down this weekend to review our insurance options for next year. As owners of a small company my husband and I spend a ridiculous amount of money on insurance premiums each month. I don’t miss much about my working days, but I do miss the benefit of employer provided insurance. In 2011, (the … Read more

I appealed my unexpectedly high out of town medical bill and received notification that a portion of my $875 bill will be covered after all. Since the facility is out of network I am responsible for 20% coinsurance on the total, which amounts to $175. I also owe the negotiated rate, ($165.59), for a $268 doctor’s bill. Rather than paying $1148 I now appear … Read more

Last month, after much contemplation, I decided to remain in North Carolina rather than driving over two hundred and sixty miles back to Maryland for an unexpected medical test. I was all set to pay a higher price for that procedure and called in advance to receive a quote. Unfortunately, on the day of the … Read more

I decided to spend the extra money to avoid the twelve hour round trip drive from our vacation spot to my doctor’s home office. I’m frugal enough in other aspects of my life to weather the $440 bill. Unfortunately, when I arrived at the hospital the clinical staff could not confirm the cost of my … Read more

My doctor wants me to undergo a specific medical test. I am currently out of town and didn’t plan to return for at least three weeks. If I seek medical attention while I’m away all services will be priced out-of-network, which means I will pay full price. We are not even close to meeting our … Read more

For over a decade I bought my health insurance through my employer. I paid a couple hundred dollars a month for a PPO plan and my company subsidized the rest. That insurance plan seemed to cover everything. If I needed to visit an acupuncturist, chiropractor or any type of specialist I paid a small co-pay and … Read more