I’m retired, not yet eligible for Medicare and my COBRA is running out. My wife and I are pretty healthy, so I’m looking at Bronze plans on heathcare.gov with individual deductibles of $6,000+. Given that all the non-generic drugs say some percentage co-pay after deductible, it seems unlikely I’ll ever see any coverage. So I’m thinking I can pretty much ignore the drug coverage and focus on premium, out-of-packet max, etc.
Does that sound correct, or am I misunderstanding something about how this works?
submitted by /u/scarhill
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I’m retired, not yet eligible for Medicare and my COBRA is running out. My wife and I are pretty healthy, so I’m looking at Bronze plans on heathcare.gov with individual deductibles of $6,000+. Given that all the non-generic drugs say some percentage co-pay after deductible, it seems unlikely I’ll ever see any coverage. So I’m thinking I can pretty much ignore the drug coverage and focus on premium, out-of-packet max, etc. Does that sound correct, or am I misunderstanding something about how this works?
submitted by /u/scarhill [link] [comments]Read Morer/HealthInsurance