If you have a little money, I think high deductible is definitely the way to go. The plans I reviewed would cap my out of pocket at $5-7.5k (or whatever) but pay 100% after that. So cancer or whatever shouldn't bankrupt a mfer, but you'll pay for maintenance you're not used to.
Just don't get screened for cancer 1 month before your insurance needs renewed.
Def something to consider. I used to go to a doctor out in Leawood that was one of those "Doctors for men!!!!" places. It was actually a pretty great place and I could call or chat pretty much whenever and get in right away. I mainly used them for an annual physical. Anyhoo, several years ago, they stopped taking insurance and went to a monthly tiered offering. It depended on your age and other factors, but you basically just paid a monthly fee and could come in whenever you wanted and get basic doctor stuff. They also help you figure out what kind of catastrophic plan you should get to go along with your monthly to them in case you had something bad happen to you. I wouldn't want this type of situation with kids or anything, but would def look into it without.
What do those plans run?
Just looked at the place I went and the monthly for age 40-49 is $80. 50-59 is $90. Haven't looked at them in forever, but I think it covers quite a bit. Not positive, but i'm pretty sure they have an X-ray so pretty much any non emergency type thing can be handled there.
I think you're talking about "concierge medicine." In my experience, you still have to pay for labs and imaging (and the like).
Yep, still might be a decent deal for a healthy person that just needs a minor thing every once in a while. This is what the membership covers apparently.
24/7 access to physician via phone/text and email
Same-day/next day in-office and “virtual” visits during regular office hours
Appointment length determined by patient (up to 60 minutes)
Office surgeries — lacerations, cysts, moles, skin tags, warts, etc.
Diagnostic/Screening Tests — Vision, hearing, spirometry, EKG
Annual Basic Health Assessment
"At Cost" pricing on all blood tests
Member discounts on diagnostic imaging (X-ray, CT scan, ultrasound, MRI)
Full-function online patient portal — a secure direct link to your information