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I'm going to sleep. Good night, everyone!
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Are you sure that’s not a $7,000 out of pocket instead of deductible? I focus on healthcare insurance companies - feel free to DM me if I can help answer any questions.
It is a $7000 deductible. I'll DM you shortly. Thank you in advance for the help, really appreciate it.
OP- do you have an HSA? If so, you can use these funds to pay for your therapy sessions. Sometimes therapists are willing to offer a “care plan” (discount) if you pay for X number of visits upfront. Mine does 10% discount for 10 visits prepaid, I use my HSA funds bc I never hit my $6950 deductible.
Yes, I have a HSA. The idea of negotiating a discount makes sense as well. Thank you. Appreciate the help!
Chief
I think I'm the same/similar. Curious if anyone else has better
Luckily, America’s healthcare is only 2nd to Canada, Japan, and every country in Europe...
Seriously though, from your story, it sounds like your deductible is high at $7k. Maybe it’s because your premium is relatively low. However, I went I see a physical therapist too recently, and I was charged about $250 as well, and the deductible was about $1k. After $1k, my insurance kicks in at $10/session. My employer pays partially for my monthly premium, but I pay a monthly premium of $140 too.
I Was limping for a few days every week after running on weekends, but looking at cost of therapy, I stopped going after 1 session. I guess I’d take my chance of losing a leg cuz I can’t keep paying.
PWC1, thanks for the idea! I’ll take a look!
My therapist sessions are $220 and it goes towards my deductible