I'm currently under an ACA plan that is actually surprisingly good with the benefits, but is also quite costly. I recently decided to seek help with respect to my ADHD symptoms, but I did so out-of-pocket after reading about pre-existing conditions (PEC)) here and here. I live in a state where individual plans could outright reject you pre-ACA if you had pre-existing condition ("elimination riders"). I did some back-of-the envelope expected value calculations and determined that neither option was particularly better than the other (i.e., billing the insurance vs. paying out of pocket):
Pr(PEC repeal in the future)*Pr(Can't find non elimination riders private plan|...)*Pr(Will need individual plan in the future|...)*min([cost of moving to a state that's favorable for people with PEC's, gambling with no insurance]) ~= out-of-pocket costs for my treatment
Now, I would like to address my concerns about sleep apnea with a sleep study. However, I'm back to square one, and it's starting to feel bad to pay my costly health insurance premiums, and - on top of it - pay out-of-pocket for these expenses.
Is there something I'm missing or is this really as much of a dilemma as I make it out to be?
Submitted September 29, 2018 at 07:22AM by donald_duck223 https://ift.tt/2xZRAjh
