So my University required me to have my own insurance or get theirs. I opted in for theirs but I have no idea what they will cover. I am so bad at navigating health plans. I really just need it for annual doctor visit, annual pap smear and women’s wellness as well as for a psychiatrist to get my lexapro.
Does this sound like good insurance? Can someone translate?
Deductible Preferred Providers $150 (Per Insured Person, Per Policy Year)
Deductible Preferred Providers $450 (For all Insureds in a Family, Per Policy Year)
Deductible Out of Network $450 (Per Insured Person, Per Policy Year)
Deductible Out of Network $1,350 (For all Insureds in a Family, Per Policy Year)
COINSURANCE 📷
Coinsurance Preferred Providers 80% Coinsurance Out of Network 50%
OUT-OF-POCKET MAXIMUM 📷
Out-of-Pocket Maximum Preferred Providers $6,000 (Per Insured Person, Per Policy Year) Out-of-Pocket Maximum Preferred Providers $12,000 (For all Insureds in a Family, Per Policy Year) Out-of-Pocket Maximum Out of Network $12,000 (Per Insured Person, Per Policy Year) Out-of-Pocket Maximum Out of Network $36,000 (For all Insureds in a Family, Per Policy Year)
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So my University required me to have my own insurance or get theirs. I opted in for theirs but I have no idea what they will cover. I am so bad at navigating health plans. I really just need it for annual doctor visit, annual pap smear and women’s wellness as well as for a psychiatrist to get my lexapro. Does this sound like good insurance? Can someone translate?
Deductible Preferred Providers $150 (Per Insured Person, Per Policy Year) Deductible Preferred Providers $450 (For all Insureds in a Family, Per Policy Year) Deductible Out of Network $450 (Per Insured Person, Per Policy Year) Deductible Out of Network $1,350 (For all Insureds in a Family, Per Policy Year)
COINSURANCE 📷
Coinsurance Preferred Providers 80% Coinsurance Out of Network 50%
OUT-OF-POCKET MAXIMUM 📷
Out-of-Pocket Maximum Preferred Providers $6,000 (Per Insured Person, Per Policy Year) Out-of-Pocket Maximum Preferred Providers $12,000 (For all Insureds in a Family, Per Policy Year) Out-of-Pocket Maximum Out of Network $12,000 (Per Insured Person, Per Policy Year) Out-of-Pocket Maximum Out of Network $36,000 (For all Insureds in a Family, Per Policy Year)
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