For the first time in my life, I have hit my deductible AND reached my out-of-pocket maximum. I now have three months of actual free healthcare, which is unheard of in the US. What should I get done?
Biologically male procedures only. EDIT: If the two people who downvoted this question could explain their reasoning, I would be super interested. No judgements. This is a safe space!
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Do you have any persistent pain or discomfort when doing things? Get that checked out.
Another +1 for colonoscopy.
Also if there's a family history of anything nasty, see if there's a test for it my maybe? (E.g. heart attacks, get blood work done for cholesterol).
Get a full physical including blood work.
Fun fact: for people over 45, colonoscopy screening for cancer is always free. If your insurance tries to make you pay for it, report them to your state insurance commissioner or the Center for Consumer Information and Insurance Oversight. ACA made a lot of preventative medicine & screenings free.
in my experience the first one was free. the followup a few months later wasn't.
Yeah, it's the screening that's free. If that turns something up, then it transitions to "care."
I've had the same experience with "wellness" check-ups: if I mention some complaint to the doc during the visit, it suddenly becomes "visit with complaint" and costs me $120.
This is great, except in my case, where I have regional insurance that no one takes where I live. Everyone is out of network.