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re: How to take advantage of meeting health insurance deductible?

Posted on 8/26/26 at 6:16 pm to
Posted by Red Stick Tigress
Tiger Stadium
Member since Nov 2005
21909 posts
Posted on 8/26/26 at 6:16 pm to
I had multiple surgeries in the course of one year after my deductible was met.

I think I had 4 or 5 visits to the OR.

Posted by HogBalls
Member since Nov 2014
9446 posts
Posted on 8/26/26 at 6:19 pm to
Too bad you’re not an illegal, all those bills would be covered by tax payers.
Posted by SuperSaint
Sorting Out OT BS Since '2007'
Member since Sep 2007
152134 posts
Posted on 8/26/26 at 6:29 pm to
Penil transplant
Posted by KosmoCramer
Member since Dec 2007
80975 posts
Posted on 8/26/26 at 6:42 pm to
quote:

Are you questioning the rabies shot or the 14K?

Treating for potential rabies is the recommended course of action for a dog bite by an unknown dog.

I have no idea about the cost


The 14k part. But I have no idea either.

If that's normal, that's insane.
Posted by UKWildcats
Lexington, KY
Member since Mar 2015
21130 posts
Posted on 8/26/26 at 6:49 pm to
I'm actually in the same boat OP, so thanks for asking this.

I'm 42...so I guess a colonoscopy would be a good idea anyway for me at this age.

Anyone else got anything useful to suggest?
Posted by UFFan
Planet earth, Milky Way Galaxy
Member since Aug 2016
4272 posts
Posted on 8/26/26 at 7:01 pm to
Why would a vasectomy be free under a health insurance plan? A vasectomy doesn’t have a long term health benefit like a colonoscopy does. The purpose of a vasectomy is to prevent you from having to pay child support for 18 years, which is not something that the health insurance company is going to care about.
Posted by mdomingue
Lafayette, LA
Member since Nov 2010
50392 posts
Posted on 8/26/26 at 7:35 pm to
quote:

If that's normal, that's insane.



Yeah
Posted by saderade
America's City
Member since Jul 2005
26566 posts
Posted on 8/26/26 at 7:54 pm to
quote:

Chiro here in town has a massage therapist. You just have to see him twice before he can refer you to getting massages. Every year after hitting my deductible I go once a week
It’s incredibly rare for a health insurance plan to pay for massages

To the OP, you need to be at least 40 years old to get a colonoscopy if you are asymptomatic (and high risk).
Posted by Mung
Ba’on Rooj
Member since Aug 2007
9697 posts
Posted on 8/26/26 at 8:54 pm to
Get a vasectomy
Posted by eddieray
Lafayette
Member since Mar 2006
19646 posts
Posted on 8/26/26 at 8:56 pm to
quote:

The 14k part. But I have no idea either. If that's normal, that's insane.



Cost is based on body weight
Posted by Cage Fighter Trainee
Member since Aug 2024
384 posts
Posted on 8/26/26 at 9:12 pm to
Go to the dermatologist and get skin and moles checked. They always seem to find something on me that needs to be frozen or cut off.
Posted by rpg37
Biloxi, MS
Member since Sep 2008
55456 posts
Posted on 8/26/26 at 9:24 pm to
quote:

Cost is based on body weight


It is. I found this odd since they didn't weigh me. The audit says they use best judgment. I found that ridiculous.

Too bad we can make people's health premium costs based on their overall health. I believe obese should have higher costs.
Posted by LemmyLives
Texas
Member since Mar 2019
18134 posts
Posted on 8/26/26 at 9:27 pm to
Was it this treatment you were given?
quote:

For HyperRAB S/D specifically, typical out-of-pocket costs from other sources are:

~$686 per 1 mL vial (300 units) (retail, per Drugs.com)
~$3,398 per 5 mL vial (1,500 units) (retail; SingleCare shows ~$3,396–$3,649 depending on pharmacy)
Since HRIG is dosed at 20 IU/kg body weight, a typical 70 kg adult would need about 1,400 IU, which could require multiple vials. The total HRIG cost at an outpatient facility typically runs around $3,500, and can be significantly higher in an ER setting. You may want to contact a specialty pharmacy or the administering facility directly for the most accurate cash-pay pricing, as GoodRx's standard coupon system doesn't apply to this drug.


ETA: Doctors often don't know the cost of what they prescribe (including imaging services done at hospital consortiums like Memorial Hermann), it's always worth asking if there are alternatives.
This post was edited on 8/26/26 at 9:32 pm
Posted by tiggerfan02 2021
HSV
Member since Jan 2021
4387 posts
Posted on 8/26/26 at 9:28 pm to
He's 39.
Insurance isn't going to cover a colonoscopy unless there is a diagnostic necessity from his presenting symptoms.
Even with a family history of colon cancer he would have to be 40+ to have it covered as preventative care.
Posted by CuseTiger
Member since Jul 2013
9130 posts
Posted on 8/26/26 at 9:37 pm to
Neurologist, cardiologist, ENT, dermatologist, orthopedist, podiatrist, etc. Figure out if something is bothering you and go make an appt with the doctor. Maybe physical therapy, chiropractor, blood work? I hit my deductible after an ER visit two years ago and think I saw most of those docs
Posted by LSUFanHouston
NOLA
Member since Jul 2009
42074 posts
Posted on 8/26/26 at 9:40 pm to
Are you covered 100 percent after deductible?

Definetly get blood work done.

Also see if they will cover an echocardiogram
Posted by Gee Grenouille
Member since Jul 2018
8861 posts
Posted on 8/26/26 at 9:41 pm to
quote:

A vasectomy doesn’t have a long term health benefit like a colonoscopy does


They ain’t paying for your woman to deliver a baby. It’s an investment on their part.
Posted by akimoto
Thibodaux
Member since Jun 2010
634 posts
Posted on 8/26/26 at 9:51 pm to
quote:

Was attacked by a stray dog who bit my leg and the owner ran off. Anyway, without knowing the health history of the dog, I was basically forced into going to doctor to get a rabies shot. Somehow, $14k bill and meeting my full deductible.


Forced by who? I think it’s been over 20 years since a documented rabies case in a domesticated animal in Louisiana. Did animal control try looking for the dog to quarantine to monitor for signs of rabies? Did your doctor consult LDH for guidance to see if doing the rabies vaccine schedule was absolutely necessary?
Posted by soccerfüt
Location: A Series of Tubes
Member since May 2013
77065 posts
Posted on 8/26/26 at 9:55 pm to
Get your tubes tied, ma’am.
Posted by Jim Rockford
Member since May 2011
106975 posts
Posted on 8/26/26 at 10:02 pm to
Get checked for cataracts. Even if you're not symptomatic you probably have clinical signs already and will eventually need the surgery.
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