Looking for a plan with HSA. Have never really understood health insurance, and didn’t really pay all that much attention to the cost since income was high, but have usually have been on something like Blue Shield PPO obtained through work. Now, semi-retired and trying to minimize costs (especially insurance since its mostly feels like throw away to me).
Me: healthy, no conditions, I only see the doctor once a year (pretty much don’t even go if I have what feels only like the flu). Only drug is birth control (generic).
From the Covered California insurance search:
Plan Name: Bronze 60 HDHP HMO
Primary Care Visits: You pay 0%
Generic Drugs: You pay 0%
Yearly Deductible $7000 (May Not Apply)
This is what the May Not Apply hover-over says:
If a plan has a deductible, it’s important to know that you can use many services (like doctor visits) before you have to meet that deductible. Click the plan’s “DETAILS” link to see how a deductible may apply.
1)Does this mean if I go see a doctor for an annual, I don’t have to pay anything? Or is it that they’ll charge me, IDK $100 for the visit, and that $100 goes toward the $7000?
Snippet of the most common needs:
Primary Care Visit 0% Coinsurance after deductible (In Network column)
Tier 1 (Most Generic Drugs) 0% Coinsurance after deductible (In Network column)
2) So do I pay $100 for the doctor visit out of my pocket and keep track (well, OK they also keep track of that) of that so that if/when I reach $7000 (lets say my appendix ruptures), everything after is covered?
3) Do I pay $20 (??) each month for birth control until what amount do I need to reach (I don’t see any drug deductible numbers on this page)
submitted by /u/lljc00
[link] [comments]Looking for a plan with HSA. Have never really understood health insurance, and didn’t really pay all that much attention to the cost since income was high, but have usually have been on something like Blue Shield PPO obtained through work. Now, semi-retired and trying to minimize costs (especially insurance since its mostly feels like throw away to me). Me: healthy, no conditions, I only see the doctor once a year (pretty much don’t even go if I have what feels only like the flu). Only drug is birth control (generic). From the Covered California insurance search: Plan Name: Bronze 60 HDHP HMO Primary Care Visits: You pay 0% Generic Drugs: You pay 0% Yearly Deductible $7000 (May Not Apply) This is what the May Not Apply hover-over says: If a plan has a deductible, it’s important to know that you can use many services (like doctor visits) before you have to meet that deductible. Click the plan’s “DETAILS” link to see how a deductible may apply. 1)Does this mean if I go see a doctor for an annual, I don’t have to pay anything? Or is it that they’ll charge me, IDK $100 for the visit, and that $100 goes toward the $7000? Snippet of the most common needs: Primary Care Visit 0% Coinsurance after deductible (In Network column) Tier 1 (Most Generic Drugs) 0% Coinsurance after deductible (In Network column) 2) So do I pay $100 for the doctor visit out of my pocket and keep track (well, OK they also keep track of that) of that so that if/when I reach $7000 (lets say my appendix ruptures), everything after is covered? 3) Do I pay $20 (??) each month for birth control until what amount do I need to reach (I don’t see any drug deductible numbers on this page) submitted by /u/lljc00 [link] [comments]Read Morer/HealthInsurance