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For the first time in my life, I have hit my deductible AND reached my out-of-pocket maximum. I now have three months of actual free healthcare, which is unheard of in the US. What should I get done? (sh.itjust.works)

submitted 2 months ago* (last edited 2 months ago) by [email protected] to c/[email protected]

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Biologically male procedures only. EDIT: If the two people who downvoted this question could explain their reasoning, I would be super interested. No judgements. This is a safe space!

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[–] [email protected] 25 points 2 months ago (2 children)

Fun fact: for people over 45, colonoscopy screening for cancer is always free. If your insurance tries to make you pay for it, report them to your state insurance commissioner or the Center for Consumer Information and Insurance Oversight. ACA made a lot of preventative medicine & screenings free.

[–] [email protected] 8 points 2 months ago (1 children)

in my experience the first one was free. the followup a few months later wasn't.

[–] [email protected] 10 points 2 months ago

Yeah, it's the screening that's free. If that turns something up, then it transitions to "care."

I've had the same experience with "wellness" check-ups: if I mention some complaint to the doc during the visit, it suddenly becomes "visit with complaint" and costs me $120.

[–] [email protected] 2 points 2 months ago

This is great, except in my case, where I have regional insurance that no one takes where I live. Everyone is out of network.