Regular doctors visits (wellness/routine) are not covered (unless they are related to a medical event/incident).
So how can I afford to see a doctor or a specialist??
With 'regular' insurance, on average people pay about $35.00 copay.
Also the average person pays $348 on health insurance premium, per person, per month.
With the Gold plan you pay $150.00 'premium' per person, per month
You save approx. $198.00 from the national average, per person, per month.
Put this $198.00 (or at least a portion of that amount) in a savings account every month and it will be easy to pay any doctor's bill when you need it.
If the doctors visit requires lab work and other testing, and the total bills add up to be over $500, then you can submit your bill to CHM.
At the doctor's office:
Talk to the billing department and explain that you are "self-pay"
Most doctors offices have significant reduced fees for self-pay patients as they don't have to file a claim and wait for their money. Doctors offices love self-pay patients and have a self-pay discount policy in place.
Use the "health savings account" technique for doctor visits.