<prompt> Human: So I need to get a cardiac ablation. I have Kaiser and my plan sucks. Large premium and big copay each time compared to what my friends pay. Yes i shouldve done more research before signing up.The procedure isnt something I have to get done ASAP, but Id like to get it done soon. Problem is, it costs 3650 becuase i pay 100. Monthly premium is 225 and i still pay full price which seems too high.Should I just take the hit or wait until open enrollment and hope to get a plan that will actually cover the costs?EDIT. Ive decided to get the procedure done ASAP. Its silly of me to worry about a measly 4k when its about my heart. Thank you everyone for your help and advice!Assistant: 3k is NOT 100 cost of a cardiac ablation procedure!, That the price you get for having Kaiser insurance. Thats not even the fee for the cardiologist. 3k can be easily negotiated into payment plans if you really rather get the procedure now. Human: i called their benefits center and they said Im responsible for 100 of the cost, which is 3650  <response>: Idk how to explain it, but if I tried to walk into a random hospital and pay out of pocket for this procedure, the cost would be 2-3x what you are paying. That being said, call them again, ask what plan you would need to have in order to have lower fees for procedures. It might be better to pay those 3k over a couple years with small payments 150 vs getting a very expensive monthly premiums. Try to negotiate payment plan and weigh your options. You could also wait and see your cardiologist in a year to reassess the need for the procedure vs get it wmergebtky if you into a funny heart rhtyhm urgent things usually are covered. If your doctor doesnt appear to worried, you could talk to him in a few months and see if anything has changed to make this more irgernt. I would start setting aside a couple 100-200 a month for now for when you cant wait for the procedure. 