Thank you for your explanation, Blueash. The sore throat analogy is exactly what would happen if we went to a doctor for that. Our high deductible plan covers the wellness visit and certain preventive testing, and then we are on our own until the deductible is met. I guess I started getting concerned, thinking about how much a hospital visit could be, or even some doctor visits, because of the plan we have chosen. We are not retired nor on Medicare for many years yet. Luckily we do have a health savings account to cover these expenses (hopefully!).
In the old days, we didn't even worry about doctor visits, everything was covered through our excellent insurance, with both of us working in the medical field. Times have sure changed, now we have to really need to go to the doctor since we will be paying for it.
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