Self-Pay Vs Major Medical: Why Do We Accept Deductibles As Normal?

John Fredrick

Published on: 04/03/2026

Premium isn't the real cost. Episode 9 of the Fredrick Insurance Brokers Podcast: a real $42,000 appendectomy case study, why self-pay prices drop 30–70%, and how indemnity benefits can turn a medical emergency into a manageable outcome.