This is my first time signing up for health insurance and I’m not sure what’s good what’s bad. The deductible is 375 and the oop max is 700. It’s 22.73 a month if I’m reading it right (god I hope I’m not reading it wrong). I was thinking of getting back on antidepressants and was hoping this plan wouldn’t be too bad if wanted to do that. Also does mental/ behavioral health outpatient services mean therapy? Cause I was also considering going back to a therapist but only if it was reasonable. Under it says for in network it’s 10% coinsurance after deductible.
Also I’m honestly confused about the deductible and oop max. So once you pay the hypothetical 375 then the plan starts paying part of the costs. And then with the oop max once i pay 700 in health costs then my insurance will pay for everything???
What do the tiers mean? Like the omnia tier 1 provider and tier 2 network provider?
One more thing, for a specialist visit under omnia tier 1 provider it reads: 10% Coinsurance per visit. $5.00 Copayment per visit applies only to Horizon CareOnline. Deductible does not apply.
What does deductible not apply mean?
I’m sorry it’s so much I’m new to this and so lost obviously. Any information would help!
submitted by /u/depressymessi
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This is my first time signing up for health insurance and I’m not sure what’s good what’s bad. The deductible is 375 and the oop max is 700. It’s 22.73 a month if I’m reading it right (god I hope I’m not reading it wrong). I was thinking of getting back on antidepressants and was hoping this plan wouldn’t be too bad if wanted to do that. Also does mental/ behavioral health outpatient services mean therapy? Cause I was also considering going back to a therapist but only if it was reasonable. Under it says for in network it’s 10% coinsurance after deductible. Also I’m honestly confused about the deductible and oop max. So once you pay the hypothetical 375 then the plan starts paying part of the costs. And then with the oop max once i pay 700 in health costs then my insurance will pay for everything??? What do the tiers mean? Like the omnia tier 1 provider and tier 2 network provider? One more thing, for a specialist visit under omnia tier 1 provider it reads: 10% Coinsurance per visit. $5.00 Copayment per visit applies only to Horizon CareOnline. Deductible does not apply. What does deductible not apply mean? I’m sorry it’s so much I’m new to this and so lost obviously. Any information would help!
submitted by /u/depressymessi [link] [comments]Read Morer/HealthInsurance