Re:Ask HN: How did you transition from FTE to self-employed/...
by EvanAnderson on Friday April 30, 2021 @04:47PM
(#26999090)
This can't be stated strongly enough: You must have the stomach for dealing with a lot more "medical billing B.S." if you're going to purchase a high deductible health insurance plan.
I was on an individual HDHP for nearly 20 years (pre and post-ACA) and it maddening trying to explain to medical professionals that I actually cared about the cost of treatments. (Never mind trying to get cost estimates before treatments-- that's nearly impossible.)
I once found myself nearly begging an ER physician to order a specific lower-cost diagnostic test in lieu of the higher-cost test she wanted to order. She couldn't seem to believe that I had a low 5-figure deductible and that I cared about the cost of treatments. She was incredulous. That's happened multiple times.
(If you have children and you talk to medical professionals about pricing be prepared to be treated like a bad parent who places economic value over their child's well-being.)
I was on an individual HDHP for nearly 20 years (pre and post-ACA) and it maddening trying to explain to medical professionals that I actually cared about the cost of treatments. (Never mind trying to get cost estimates before treatments-- that's nearly impossible.)
I once found myself nearly begging an ER physician to order a specific lower-cost diagnostic test in lieu of the higher-cost test she wanted to order. She couldn't seem to believe that I had a low 5-figure deductible and that I cared about the cost of treatments. She was incredulous. That's happened multiple times.
(If you have children and you talk to medical professionals about pricing be prepared to be treated like a bad parent who places economic value over their child's well-being.)