The time a broker told me to stop paying for urgent care out of pocket

I was dumb, paying $200 each time I got a sinus infection until a broker pointed out a bronze HDHP with an HSA would cover preventive stuff and save me money over the year. Has anyone else found a cheap plan that actually covers walk-in clinics?

3 comments

3 Comments

shane1701mo agoMost Upvoted

Laughing at myself for doing the same thing until I finally realized my "cheap" copays were actually bleeding me dry. Picked up a silver HMO through the marketplace that covers walk-in visits for a flat $35 and actually pays for my allergy shots now. Yeah the deductible is higher but my wallet isn't crying every time I sniffle anymore.

zaranelson1mo ago

And that flat fee is honestly the game changer right? My silver plan has a $20 copay for my asthma checkups and I actually go now instead of putting it off until I'm wheezing through a straw.

mitchell.thomas1mo ago

Yeah the "flat fee for visits" part is huge. I think people don't realize how much those small copays add up. Your asthma checkups are probably $20 each, but that's still $20 you might skip if money's tight. Me, I got a bronze plan with a $45 flat fee for everything. Doctor, urgent care, even a specialist if I need one. It all costs the same. That makes it way easier to just go get checked out instead of waiting until it's an emergency. Plus I know exactly what I'm paying every time, no surprises.