Yes, I know and that's why I am still paying. But seriously, we are paying for emergencies, this should be stated when paying for the insurance. Second, why were the costs $150000?
Can confirm I love Kaiser but both the best and worst parts for me are the bureaucracy -> time/$ savers. Great when it's fast and cheap, can email Dr to get meds/treatment, get meds mailed 3 for 2 price - but frustrating when wait to see a specialist is more than a month or being rushed through in person visits like cattle. And I feel well taken care proactively with multi-DR/NP team.
Plus they actually did a good job reimbursing me for costs when I had to get care in a non-kaiser state no hassle or haggling.
I own our company with a partner, so it's me paying for it either way. I buy on the market but company pays for it.
I think the overall costs are lower for Kaiser, I think I have one of the gold plans and it's only like $20-40 copay for fairly specialist visits and most medicine is really affordable. I pay labs costs and I think looking at bill I remember them being more than the actual Doctor and they seem fairly expensive.
In past years I've found I barely have any costs or recently with a 'high health' year a few of the more rate big costs helped me the out of pocket pretty quick.
