The most expensive plan on my state’s marketplace. Honestly, I’m going to have to start selling myself, or my body parts, to be able to afford this shit.
but instead of federal buildings its going to be health insurance companies.
The most expensive plan on my state’s marketplace. Honestly, I’m going to have to start selling myself, or my body parts, to be able to afford this shit.
but instead of federal buildings its going to be health insurance companies.
so you have to pay 32k flat and pay 5.2k in healthcare cost in a year in order for your insurance to kick in? and you still have to pay for copay on every expense? and no dental? how is american insurance worse than our private insurance?
No, we have three separate elements here:
Premium - what you pay monthly, no matter what. The cost of entry.
Deductible - is the amount you have to spend before the insurance “kicks in”. For Instance, on this plan, there is $0 deductible, which is VERY rare. In this instance, you’d start paying the co-pays right away. Normally, the deductible is a large amount of money. On those plans, you pay the full negotiated cost of the service, which could be in the hundreds or thousands.
Out of pocket max - this is the total amount you have to pay before the insurance covers everything, co-pays included.
Does it have a separate one for pharmacy out of pocket? Or like the rare 0 deductible also 0 pharmacy
Yes some of the plans specifically have different deductibles for pharmacy and health. This particular one, does not (says health and drug combined).
Nice bonus, but still that out of pocket max is massive for the monthly amount
That’s why its platinum coated…
I know, I hate how the American health insurance system works