I have been looking at low premium plans on healthcare.gov and really just want the unsurance to serve as a safety net in the event of a major medical emergency, since I don’t go to the doctor often at all.
With that in mind I have been looking at Out of Pocket Maximums and thinking “boy I could live with that. Knowing that this is the most I would have to pay in any disastrous scenario. That sure is swell.” But when I go to look at cost examples in some of the plans’ documents, I see a few examples where the cost is more than the stated out of pocket maximum. Like WTF. All the examples are just slightly over the maximum, so I half think that it is typo or something but it is really causing me unease since I want to know how all this works before committing to a plan.
Can anyone give me the final word on out of pocket maximums, and also explain why the cost explains for some plans go over their stated maximum?
Much appreciated!
submitted by /u/895501
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I have been looking at low premium plans on healthcare.gov and really just want the unsurance to serve as a safety net in the event of a major medical emergency, since I don’t go to the doctor often at all. With that in mind I have been looking at Out of Pocket Maximums and thinking “boy I could live with that. Knowing that this is the most I would have to pay in any disastrous scenario. That sure is swell.” But when I go to look at cost examples in some of the plans’ documents, I see a few examples where the cost is more than the stated out of pocket maximum. Like WTF. All the examples are just slightly over the maximum, so I half think that it is typo or something but it is really causing me unease since I want to know how all this works before committing to a plan. Can anyone give me the final word on out of pocket maximums, and also explain why the cost explains for some plans go over their stated maximum? Much appreciated!
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