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@kohajesemen I have hit it before but it usually depends on what insurance I have. Last year plan had really low copays that almost never applied and a really low deductible with a high OOPM so I didn’t (I paid about $700 total plus so much in premiums) But in the past I have reached it around...

@minnieys Specialist is Tier 2*. The deductible for Plan A is 400 and for Plan B is 800. Other than the specialist I only go if I’m sick (and can’t just suck it up at home, like I need antibiotics) or for an annual visit. The negotiated rate is either 250 or 500 based on the visit type. The OOP...

Hello, I’m stuck between two plans. They cost the exact same amount. The main difference is that Plan A has copays where Plan B has coinsurance. For a specialist (under Tier 1 pricing) visit Plan A charges $40 where Plan B charges 20% coinsurance. For a primary visit Plan A charges $20 copay...