We lost our Health Insurance when my husband was laid off in 2008. We took the gamble that as healthy young(ish) adults we would not need health insurance. We opted to pay out of pocket for any services we may need. (Don't even get me started on how much cheaper it is to use a midwife and a birthcenter instead of a doctor and a hospital.) And today, I needed to go to the doctor... for the first time in 3+ years (other than maternity stuff).
How do you decide where to go when you don't have a list of doctors set forth by your insurance? Personally, I went to the doctor I went to before bcause they have a cash discount. I got a 33% discount because I paid cash (or they take credit) on the day of service. Yes, I even use coupons at the doctor's office.
Now, I have a prescription in my hot little hand. Because I'm the one paying, I searched Wal-Mart's $4 generic list. Nope. I searched Target's $4 generic list. Nope. I searched Walgreen's $10 generic list. Nope. I searched RiteAid's $9 generic list. Voila. I already love RiteAid and the rockin' deals I got today so this is not so difficult. I'll probably go ahead and get 90 days for $16... yep, another $11 coupon without clipping a thing. I just wish they had one of their $25 new prescription coupons right now. Shucks.
When I had insurance, I didn't think twice about it brand name meds were $15, generics were $10. I think I was part of the healthcare problem.
- Do you think about how your healthcare dollars are spent?
- Would it benefit your family to pocket your employer's contribution and purchase a higher deductible plan on your own and just pay cash for simple office visits (out of FSA funds, even)?
- Would the cost of healthcare decrease if there was competition? (Dr A gives a 33% discount, Dr B doesn't, etc...)