Kate and Scott Savett were trying to be responsible when they needed some medical care.
They live about an hour north of Philadelphia with their dog, Frankie. Scott, 43, is a chemist and designs software for labs; Kate, 37, works in life insurance.
They buy their health insurance through Scott’s work, and, to keep their monthly costs affordable, they chose a plan with a high out-of-pocket maximum.
They understood from the beginning that this would mean shopping carefully when they needed care, because costs can vary a lot among doctors and hospitals.
For years the couple didn’t use their insurance much — but that all changed this year.
Kate was diagnosed with multiple sclerosis in January. Doctors did a lot of tests and then follow-up tests. On top of that, Scott needed some imaging tests for a spinal issue.
Under their insurance plan, the two have to pay in full for the first $3,000 of their combined care. After that, they still have to pay 20 percent of the cost, until they reach a total of $8,000 in out-of-pocket expenses.
That knowledge made them want to find the best care for the best deal. But how? Continue reading