Does anyone know what rate you pay your doctor for office visits and procedures? I was just reviewing the medical bills from when my son was born. One example was a "submitted charge" from the ob of $2,500, the "negotiated or allowed" by the insurance company was $1865. I paid 20% of $1865. I found an even bigger difference between "submitted charge" and "negotiated or allowed" for lab services. The lab services were $244, but the negotiated or allowed was $56. I paid $11.

It seems to me you could end up getting hosed if you pay the full price for anything. Looking over my medical bills over the past few years, it seems the insurance company rarely paid 80% of the submitted amount. So with this new plan, are you going to be paying the full amount or the negotiated amount?

According to the American Cancer Society, men have a 1 in 6 chance of being diagnosed with prostate cancer and women have a 1 in 8 chance of being diagnosed with invasive breast cancer. I watched my mother go through a mastectomy, radiation treatment, and years of chemo therapy before succumbing to breast cancer. Y'all better make sure you have plenty saved in that HSA.