[rfuerst911sc]

My wife and I are retired , she is 62 and I am 61 . We have health insurance through an online broker and the insurance is $1400 per month with a 1K deductible . It covers health/dental/vision . Sounds good if you say it fast but there is more to the story .

My wife had a kidney stone about 6 months ago . It appeared it was not going to pass on it's own so urologist scheduled " surgery " . When the " surgery " took place they realized the stone had passed . Ok sounds good . Fast forward 6 months and on Friday we got the bill for the portion the insurance is not going to cover ........ 18K !!! WTF ??? We are paying almost 17K a year for insurance and then get hit with a bill like this .

I know many doctors and hospitals give substantial discounts for cash paying customers . So have any of you said screw it and dropped your insurance and went cash pay ? In our scenario we would take that 17K we would have paid to insurance and put it into a health care savings account and write checks as needed. Am I crazy for considering this ?