Does health insurance give some benefits before the deductible is met (with the majority of the benefits coming after this limit is reached of course) or does health insurance pays absolutely nothing until your deductible is met?
I don’t understand the pricing of healthcare plans. Let me make a comparison of two plans. Plan A has a $0 deductible and costs $300/month and plan B has a $6,100 deductible and costs $300/month. Both plans have exactly the same copays and out-of-pocket maximums. This makes no sense to me. Is it possible that plan B could pay a higher amount towards your healthcare even before its deductible is met? I mean, is such a thing even possible? For example, if you went to a doctor and your deductible hadn’t been met, would your out-of-pocket payment be the exact same as it would be if you did not have insurance?
Thanks
submitted by /u/traderlmd
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Does health insurance give some benefits before the deductible is met (with the majority of the benefits coming after this limit is reached of course) or does health insurance pays absolutely nothing until your deductible is met? I don’t understand the pricing of healthcare plans. Let me make a comparison of two plans. Plan A has a $0 deductible and costs $300/month and plan B has a $6,100 deductible and costs $300/month. Both plans have exactly the same copays and out-of-pocket maximums. This makes no sense to me. Is it possible that plan B could pay a higher amount towards your healthcare even before its deductible is met? I mean, is such a thing even possible? For example, if you went to a doctor and your deductible hadn’t been met, would your out-of-pocket payment be the exact same as it would be if you did not have insurance? Thanks
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