Health insurance
Anyone know who offers the best high deductible health insurance plan? ACA coverage has gotten to expensive and I have a few years before medicare kicks in. In my case bronze coverage is $8700. Wit...
Forum Discussion
No not really, To use your example 10k procedure, Insurance allows say 5K, of that 5k. which would be applied your your deductible, because you belong to that ins, you will be charged at the allowed rate, for the remainder. Which just in general would say be a 2k cost to you, as the ins will reduce it to that rate, ( which, big surprise, hospitals have a nasty habit of not telling you that and hitting you for the whole cost, not the INS adjusted cost) And unless you call them on that, you will pay full freight
You sound young, having a kid or a broken leg, is nothing, and for you, at this time in your life, cost sharing may be a great deal. But at my age when the costs can run into the many hundred of thousands, for cancer etc it would not be. ( and why I would not want my care subject to a non regulated entity) And why I would suggest folks read the fine print.
Like I said, I have no dog in this fight, just make sure what you want is, what you are buying, and it works for you. And for the long term, if you get really sick concentrate on that, not the monthly premium
40 years in my own health care office, not the ultimate expert, but I do have a clue.
by the way, I really appreciated your post, you did not get defensive, and explained your point of view, something quite often lacking in todays world
You sound young, having a kid or a broken leg, is nothing, and for you, at this time in your life, cost sharing may be a great deal. But at my age when the costs can run into the many hundred of thousands, for cancer etc it would not be. ( and why I would not want my care subject to a non regulated entity) And why I would suggest folks read the fine print.
Like I said, I have no dog in this fight, just make sure what you want is, what you are buying, and it works for you. And for the long term, if you get really sick concentrate on that, not the monthly premium
40 years in my own health care office, not the ultimate expert, but I do have a clue.
by the way, I really appreciated your post, you did not get defensive, and explained your point of view, something quite often lacking in todays world
