I’m looking at a chart from a document about a plan. The chart is here. Because it’s a PPO and most of the in-network costs are “80% of allowed amt after CYD” whereas the out-of-network costs are 60%, one would think it refers to what the insurance covers. However, I thought that generally when talking about co-insurance percentages, the percentage is what the patient is responsible for. And the fact that the other boxes of the chart list the dollar amounts that a patient is responsible for would seem to support that assumption. But that doesn’t seem right and 80% seems high. I tried looking elsewhere in the document for elaboration and clarification, but I couldn’t find any.
submitted by /u/torchma
[link] [comments]I’m looking at a chart from a document about a plan. The chart is here. Because it’s a PPO and most of the in-network costs are “80% of allowed amt after CYD” whereas the out-of-network costs are 60%, one would think it refers to what the insurance covers. However, I thought that generally when talking about co-insurance percentages, the percentage is what the patient is responsible for. And the fact that the other boxes of the chart list the dollar amounts that a patient is responsible for would seem to support that assumption. But that doesn’t seem right and 80% seems high. I tried looking elsewhere in the document for elaboration and clarification, but I couldn’t find any. submitted by /u/torchma [link] [comments]Read Morer/HealthInsurance