Quote:
Originally Posted by Nickshu
I am thinking about the concierge medicine route. I can buy a basic policy from Kaiser for about $500/month, which I would keep basically only for catastrophic coverage...major trauma, major diagnosis, etc. Then just pay out of pocket for the concierge retainer fee and regular Dr visits, preventive care, etc and go to the Dr that I chose.
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Are these not two separate issues? You're on a silver plan, and you want to pay less. So why not purchase a bronze-tier plan? Are the benefits so much worse that you won't be able to find a doctor to treat you? With a bronze plan, you can still see a doctor and get insurance-plan rates for services (even if your deductible/co-pay/etc are higher). Do you have to pay the retainer for a concierge PCP? Unless the doctor you want is in a concierge practice, why pay the $$$$ for that specialty access?