re: Estimated MONTHLY Health Care Cost for me @ 67- $8,400 - that's 28 yrs from now

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My better half just had an MRI on his foot. Thinking about maximizing his schedule, he had the MRI at the local hospital down the block from his office. Dumb move: his portion of the test was $975.

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Your last sentence is spot on; he's dumb. He went to a hospital and was surprised by a big bill? All he had to do was check with his insurer (you know, the people who pay the bill) prior to the test and they could've recommended the most effective pricing option based on his insurance plan.

Paying too much in this instance is purely his own fault.