How Much Does it Cost?

One of the aversions some people have to a high deductible plan (such as an HSA qualified one) is, how much does it cost to have this done or that done.

Fair question, but what get's me is they should have a similar question on a typical copay plan. For some reason it almost never comes up when discussing a copay plan with a $2,000 deductible (and $4,000 out of pocket).

But suggest a HDHP (high deductible health plan) of say, $3,500 and all of a sudden they are concerned about how much they will have to pay before the carrier pays.

Most primary care office visits will run $50 - $60 . . . add $20 or so if you see a specialist. Testing can run anywhere from $10 to $300 depending on the extent of the lab work.

But if you have going to have an elective procedure, determining the cost is relatively easy.

Ask your doc for the CPT 4 codes.

Call your carrier and ask for a price for those codes.

Simple.