I use a "annual pay" doctor here for normal stuff -- a "concierge" doctor I think they're called. So that's ON TOP of the insurance premiums and deductible.....
I like the ACCESS! Call and you're in! Plus I like the doctor - he talks to me like I talk to my friends (in other words - not nice and doesn't beat around the bush).
IMHO "Obamacare" totally hosed the insurance that we HAD and liked --- costs have gone WAY WAY up - deductible is double or more... and coverage is less. All typical and expected when the "government" gets involved.
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