It was actually WORSE than no insurance at all! IME, the cash price for non-insured for PT was $99 a session, and those of use with crappy Obamacare had to pay $130 a session. When I told the office person that I’ll just go to the non-insured price, she actually said “No. You’ve already admitted you have Obamacare and you have to use it.”Now this problem pre-existed Obamacare but from the beginning it was noted that many who got insurance through Obamacare couldn't afford to use it because of the high deductibles and co-pays.
So, for 10 sessions I paid $1300, or $300 more than if I didn’t have Ocare ar all. And that was in ADDITION to the $800 a month in premiums.