Ask for a "free look"
A test-drive of your insurance plan is called a free look, and it basically means that you can get your money back if you're not satisfied within a set period of time. Restrictions vary by company and plan, but you could have anywhere from one to six weeks to ask for a refund -- probably in writing.

Consider a Health Savings Account
If you are seeing the doctor just twice a year then HSA is a great option. It goes hand-in-hand with an insurance policy that has a high deductible but low premiums. The money you save on premiums each month can be deposited into the HSA pre-tax, where it grows tax-deferred. You then use it to pay for any unexpected medical expenses. Once you turn 65, you can withdraw any money you didn't use and spend it on anything you want, including funding your retirement.