Hi from the (unusually sunny) UK!
Im moving to Michigan in August and as a J-1 student, i need to have health insurance coverage. However, as we have our beloved NHS here, i’ve never had to purchase health insurance before so i am insanely confused. I was initially going to go with the cheaper J-1 student option, but i’ve recently been diagnosed with a condition that may require regular (ish) care while i’m away. Ive found a plan that i THINK will cover me, but honestly i really cant be sure how it all works and what id be liable to pay. Ive googled and googled but everything just repeats the definitions and not how they’re applied, so i’m taking to reddit to ask you guys! My questions are:
– How is a preferred allowance applied? Is it how much the provider pays to the hospital? (The preferred allowance for my plan is 80% on all things, so if anyone has an example i would understand that best).
– Im planning on paying for one semester then getting another semester after Christmas, will my policy reset and make me liable for deductibles again?
– Does the deductible apply to all treatments or just the ones until the total deductible has been paid?
Honestly i work better with examples so if anyone has an example of how it would all be applied, i would really appreciate it! Also i’m going to be using PSI so if anyone has any experience with them, please let me know!
TIA x
submitted by /u/crayonsandcrime
[link] [comments]
Hi from the (unusually sunny) UK! Im moving to Michigan in August and as a J-1 student, i need to have health insurance coverage. However, as we have our beloved NHS here, i’ve never had to purchase health insurance before so i am insanely confused. I was initially going to go with the cheaper J-1 student option, but i’ve recently been diagnosed with a condition that may require regular (ish) care while i’m away. Ive found a plan that i THINK will cover me, but honestly i really cant be sure how it all works and what id be liable to pay. Ive googled and googled but everything just repeats the definitions and not how they’re applied, so i’m taking to reddit to ask you guys! My questions are: – How is a preferred allowance applied? Is it how much the provider pays to the hospital? (The preferred allowance for my plan is 80% on all things, so if anyone has an example i would understand that best). – Im planning on paying for one semester then getting another semester after Christmas, will my policy reset and make me liable for deductibles again? – Does the deductible apply to all treatments or just the ones until the total deductible has been paid? Honestly i work better with examples so if anyone has an example of how it would all be applied, i would really appreciate it! Also i’m going to be using PSI so if anyone has any experience with them, please let me know! TIA x
submitted by /u/crayonsandcrime [link] [comments]Read Morer/HealthInsurance