As someone adapting to early retirement I learned that if I am making a doctor appointment that I do not know how to work the system for the best bang for my limited buck.
For instance I suspect that when they ask, "do you have insurance?" that means, "can we overcharge for your appointment?".
Now to my mind overcharging my insurance is overcharging me.
There is also, "who is your insurance carrier?". I suspect that means some insurers are more likely to spring for a higher charge or have a more generous code system or worse they are more difficult to get money out of so the doctors office goes for more money.
Or should I just say I will pay out of pocket?
Turn it into my insurance myself?
Or will I get overcharged for that for some other reason that makes no sense to me?
We pay the highest medical costs in the US here in Alaska. I learned that again today just shopping doctors.
