Health Insurance Insights | Fredrick Insurance Brokers

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.

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Own Your Insurance, Own Your Choices: Knowing About Disclosure At The Doctor's Office

Katherine Clark

Published on: 28/01/2026

You own your policy. You decide when to use it. Episode 4 of the Fredrick Insurance Brokers Podcast: how to ask for the self-pay price, negotiate medical bills, and control what goes into your medical chart before it follows you forever.

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