Seeking help understanding which insurance to buy from COVERED CALIFORNIA
I am 22 years old with around a 60k income in california with a few questions
Kaiser minimum coverage hmo Deductible: $8550 (Individual)
Kaiser platinum hmo 90 Deductible 4000
Can anyone explain how health insurance works? Do I have to just pay the deductible and then you get coverage for free after? Or is there a limit on the amount they will cover?
Also I just dont understand why someone would buy platinum 90 hmo over the minimum coverage if it only covers 90%? While the minimum coverage covers 100% after the deductible?
Also can anyone explain to me if i can go to any hospital if i decided to buy kaiser minimum coverage in an emergency or if it would cover surgeries or life threatening injuries if needed after i paid deductible or if i needed chemotherapy?
submitted by /u/drCuFace
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Seeking help understanding which insurance to buy from COVERED CALIFORNIA I am 22 years old with around a 60k income in california with a few questions Kaiser minimum coverage hmo Deductible: $8550 (Individual) Kaiser platinum hmo 90 Deductible 4000 Can anyone explain how health insurance works? Do I have to just pay the deductible and then you get coverage for free after? Or is there a limit on the amount they will cover? Also I just dont understand why someone would buy platinum 90 hmo over the minimum coverage if it only covers 90%? While the minimum coverage covers 100% after the deductible? Also can anyone explain to me if i can go to any hospital if i decided to buy kaiser minimum coverage in an emergency or if it would cover surgeries or life threatening injuries if needed after i paid deductible or if i needed chemotherapy?
submitted by /u/drCuFace [link] [comments]Read Morer/HealthInsurance