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| Useless Blabber Things unrelated to the scene. Jokes, fun, and boredom. |
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05-13-08, 01:21 PM
| #1 (permalink) |
 | Anybody here use Esurance, Health?
I'm confused.. what is coinsurance? If it's 20% or 50% what does that mean..? My insurance doesn't kick in for 5 months so I'm thinking this is the best option for me?
__________________ I know we've only known each other four weeks and three days, but to me it seems like nine weeks and five days. |
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05-13-08, 01:36 PM
| #2 (permalink) |
 Join Date: Jun 2006 Location: Sachse
Posts: 397
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20-50% of the applicable covered procedure would be your cost, but you may also need to meet a deductible, be in-network etc etc. Also some insurances have whats called out of pocket maximum's which tries to limit the expense a person may have to incur during the course of the plan year.
__________________ www.musicv2.com/artist/lyrik (Artist Page) http://www.myspace.com/lyriklyfunky www.lust4house.com |
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05-13-08, 02:01 PM
| #3 (permalink) |
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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%....
__________________ I know we've only known each other four weeks and three days, but to me it seems like nine weeks and five days. |
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05-13-08, 02:03 PM
| #4 (permalink) | ||
| OU Sucks  Join Date: Dec 2001 Location: somewhere down in texas
Posts: 13,572
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i need some health insurance  contracting has it downfalls.
__________________ OU (Sucks) Wall Of Shame: Quote:
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05-13-08, 02:50 PM
| #6 (permalink) | |
| Join Date: Jun 2006 Location: Sachse
Posts: 397
| Quote:
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.
__________________ www.musicv2.com/artist/lyrik (Artist Page) http://www.myspace.com/lyriklyfunky www.lust4house.com | |
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05-13-08, 02:59 PM
| #8 (permalink) | |
| Join Date: Jun 2006 Location: Sachse
Posts: 397
| Quote:
Ya its a bit obvious...actually I've worked with benefits etc for over 9 years and now do HR Info Systems setup/consulting.
__________________ www.musicv2.com/artist/lyrik (Artist Page) http://www.myspace.com/lyriklyfunky www.lust4house.com | |
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