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I've never figured out health insurance. I have a good plan that I pay about 10% of the premium.
As an example of recent cataract surgery here is the breakdown:
Retail price of surgery on 2 eyes: $12,500
Insurance agreement with surgery center: $4800
Additional cost of anesthesia: $650
Six office visits: $350
My total cost: $550 per eye.
The strange thing? I have $2500 max out-of-pocket and this surgery only used $229 of the $2500. I thought I would be responsible for much more because of the max out-of-pocket.
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