Quote:
Originally Posted by kane
This is the first time I have ever heard of it working like this. Maybe your plan does, but I just looked at my plan it says they cover 80% of hospital costs. It says nothing about a second copay for this coverage. Although I do see that my plan has a max out of pocket payment of $6,000. so I would only be on the hook for up to that much.
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That's pretty high. Usually I see maybe 3000 per person or 6000 per family per year max out of pocket. 3 grand is basically an ambulance ride and an emergency room visit for some stitches. After that insurance should take care of it 100%.
Some insurance is $150 ER visit and 20% out of pocket for hospital stay until the out of pocket maximum is met at 3 grand then they cover the rest.