Max Out of Pocket

My Free Annual Preventive Exam – A $251 Value

Well, after a 78-day wait, Max finally got in for his free annual preventive exam on 10/30/2019. As a completely healthy person, I guess I don’t know what I expected. Perhaps I was needlessly consuming a healthcare service that I really didn’t need to have. But ultimately, I was disappointed with the thoroughness of my 24-minute exam. Thankfully, my $21,574 insurance plan covered the exam in full with no out-of-pocket costs. Money well spent I...

My $572,570 Standard Deduction Portfolio – FI/RE

Since Max has an affinity for FI/RE (Financial Independence / Retire Early) concepts, every once in a while we are going to get a post dedicated to the subject. In this case, we are going to broach the standard deduction bucket and do a little reverse engineering into the 4% rule. It isn’t completely off-topic, though. Becoming financially independent is a great way to protect ourselves from the current state of the healthcare system in...

Insurance Premiums – My $21,564 Medical Plan

So how much does Max OOP pay in health insurance premiums?   Talk about a loaded question – but we are willing to try and field just about anything here at Max Out of Pocket. Pricing on insurance can vary widely from product to product. Like most other purchases, the product itself could be a Cadillac or a Pinto. Unlike most other purchases, the pricing is complex and most people don’t ever see the full price...

How Much Should A Comprehensive Metabolic Panel Cost?

As you might have already figured out, Max likes to be extremely comprehensive when planning for out-of-pocket healthcare costs. But I also like to be just as comprehensive with my actual healthcare. So when my doctor offered to order me a comprehensive metabolic panel at my free preventive exam last week, I just about fell off the exam table in excitement. I figured why not throw down an extra $15.38 and spring for a more...

Max Out of Pocket – October

Well, we made it through the army of leaf-peepers that descended on our town for the first few weeks in October. The peak fall foliage weekend for our area landed right on Columbus Day this year. It was probably one of the more spectacular displays of colors I have seen so far during my tenure here in New England.  As we did in September, we spent most of October just getting back into the routine...