Paying out of pocket vs deductable
I recently went for my yearly women’s exam and they ordered me to get blood tests and an ultrasound. They drew the blood that day and I haven’t received a bill yet for anything. My ultrasound is on Monday. I got a call today regarding the payment for just the ultrasound – I can either go with insurance (Cigna) and pay my entire $1000 deductible or I can bypass insurance and pay $250. Which would be better to do? If the labs are going to come out of my deductible it would be better to pay the deductible but it sounds like a lot to just suddenly drop $1000 on a single ultrasound. Part of the dilemma is how much I’ll be using the insurance even with the deductible paid. I’m leaning towards paying the deductible but if my labs don’t count towards it I don’t want to drop $1000 plus however much $$$ the labs will be. If I do pay off the entire deductible I would want to take full advantage of it – like take care of minor things that I’ve been able to deal with but would be nice to address if I don’t have to pay out of pocket. Is paying off the deductible like that worth it?
