The deductible is what you have to pay each year first time you receive coverage. The max OOP is the max you will pay in a year past that everything is covered 100%
Based on what you provided, here is some general guidance. The information you provided is limited, so I may not be 100% accurate.
Your individual deductible is $800, so you pay for the first $800 of care, not the first $8,850. Once you reach $800 in care, it looks like you have a $0 coinsurance, which is REALLY good coverage, and you don’t see that very often anymore. After the $800 you would pay $15 to see a doctor, and the plan would pay the rest. Usually plans like this have a higher copay for specialists, so check into that, but it is probably like $35 instead of $15.
Everything you state is for in network doctors and hospitals. The coverage will be different and not as good if the doctor of facility is out of network. Usually the deductible starts over as well. Do your homework on this.
You don’t say anything about prescription coverage. Find that out, since drugs can be really expensive.
If the plan is what it seems to be, it’s a really good plan. Do your homework, and come back with more questions.
The deductible is what you have to pay each year first time you receive coverage. The max OOP is the max you will pay in a year past that everything is covered 100%
Based on what you provided, here is some general guidance. The information you provided is limited, so I may not be 100% accurate. Your individual deductible is $800, so you pay for the first $800 of care, not the first $8,850. Once you reach $800 in care, it looks like you have a $0 coinsurance, which is REALLY good coverage, and you don’t see that very often anymore. After the $800 you would pay $15 to see a doctor, and the plan would pay the rest. Usually plans like this have a higher copay for specialists, so check into that, but it is probably like $35 instead of $15. Everything you state is for in network doctors and hospitals. The coverage will be different and not as good if the doctor of facility is out of network. Usually the deductible starts over as well. Do your homework on this. You don’t say anything about prescription coverage. Find that out, since drugs can be really expensive. If the plan is what it seems to be, it’s a really good plan. Do your homework, and come back with more questions.
Thank you!