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I hear quite a lot “why isn’t this covered????” 
Usually, the answer is it is covered, it just isn’t paid for yet.
People DO NOT like this answer. I am sure you might have experienced this. 
These are the four ways people pay for health care, if they have insurance:
- Copay
- Deductible
- Co-insurance
- Maximum Out of Pocket
Those last two often sneak up on people and the second one (deductible.. usually high deductible) keeps people from accessing care… which will cost you a lot more than a deductible.
This week… a few ways to ameliorate those out of pocket costs… without busting your budget.
Here is how.
