Health Insurance Related Topics:

It's very nice to know that your doctor's visits will be paid for by insurance. However, in most cases, you will pay thousands of dollars per year in increased insurance costs to have that coverage available. Plus, many policies then limit the number of visits you can have covered.

Analysis is in order here: have your agent quote you a price for a policy both covering and not covering doctor's visits. Then pull out your records and compute the amount of money that you actually spent on doctor's visits per year for the last 3 years. Compare those actual costs with the amount your are paying to insure those visits and make your decision accordingly.