Quote:
Originally Posted by Paully
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.
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When I chose my plan I had to make some choices. I could have either had a lower max out of pocket for hospitals etc and not as good of prescription coverage or I could have had a higher overall deductible. I have asthma and one of the medications I take for it is pretty expensive so I chose to have the better prescription coverage. If I end up in the hospital the extra I may have to pay will have more than been covered by what I saved on medication.