Quote:
Originally Posted by Robin T. Fine  Yea they all have deductibles ranging from 1000-3000. lol.
But the monthly costs range from 30-130.
Doesn't sound that bad when you think about it, if it allows me to save up to 50%.... |
So what that means is before your insurance even starts to cover its portion (%) you will have to meet 1000-3000 deductible and then you start to pay your applicable coinsurance...its a bit of a general answer and plan specifics can vary, but thats the general way plans like that work. Essentially you will be paying 100% of the costs until your deductible is met...if there are in-network providers you can go to as opposed to out-of-network you would be responsible for 100% of the contracted rate (which should be lower than your standard out of net guys) until the deductible is met and once met your applicable coinsurance would be your responsibility and should have an out of pocket max for the year.
The higher the monthly premium the lower the deductible and sometimes the better out of pocket max.