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Pay medical tab with cash even when you're insured?

Updated: Oct 24, 2023

Which should I do for the example here? A colonoscopy with a cash price of $1625 or pay $5000 (the insurance negotiated rate) ?

The gamble is whether or not I'll reach my deductible for my high deductible plan.

If I use my HSA card, can I then inform my insurer about the $1625 expense and will it count towards my deductible?

There seems to be no easy answer.

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