I've never understood not pushing a button for fear of costs.
SAR extraction is free in basically every state as far as I am aware. Charges only begin once you get put in ambulances, air or ground. Air extraction is rarely an ambulance, usually National Guard or law enforcement, so... free. You usually get put in an ambulance after extraction, if needed. And if it's needed, then who cares about the cost.
Generally speaking, if something happens, push the button.
I would venture that most people do not understand their own medical plan via their insurance.
HSA, FSA, or PPO.
- Could most people explain the difference?
- Are you on the right plan for your needs?
- Most people do not understand which plan they are on.
In Network vs Out of Network coverage
- Could most people explain the difference?
- Do most people know how to find out the difference?
- Most people do not understand what the difference is between in network and out of network
Free Stuff (Eye Glasses, Preventative Screening, Teeth Cleanings, Virtual Nurse/Teladoc, Wellness, etc)
- A lot of vision plans have a discount or up to a certain amount for glasses each year. Even if you do not wear glasses, you can get an expensive set up sunglasses every year for next to nothing.
- An annual physical is free through most insurances
- Dental cleanings can be free all the time or once every 6 months
- Rather than using WebMD to self diagnose, you can chat with your insurance provided medical professional for free or a small fee rather than going to the doctor.
- There are a slough of free mental and self help through most insurance companies.
- Most people do not understand there are things included in your plan
Deductible, Co-Pay, and Max out of pocket
- How much is your deductible? Did you go with a high deductible plan?
- How much does insurance pay after your deductible?
- Does your plan pretty much just have a Co-Pay for everything?
- Health care is essentially no cost after you hit your In Network or Out of Network max out of pocket
- Most people do not know how much the insurance will pay on Medical claims.
Dental, Medical, Pharmacy, and Vision are together or seperate.
- Most people assume that these are all medical, but in most cases they are separate.
Just like most people don't know that SAR is basically free.
In addition, people that do not have insurance probably do not understand that their are government programs for exactly that situation.
There is even options for people who make zero income.
There is a lot of things that if people did a little amount of research they could understand, but wanting too is another story.
