Understanding medical / health insurance quote?
I recently got a quote for a health insurnace, but I am not sure I have a proper understanding what they mean. IN NETWORK: Deductible Ind / Fam - 2500 / 5000 Co - Insurance - 80% Maximum Out - Of - Pocket - 5000 / 10000 then some co - pays for Office, Labs, Spe ts I'm OK with that Hospital 2500 / 5000 In / Out Net So, the QUESTION IS: If I am taken to hospital for 10 days say, I am Ind, not Fam; and the bill, say, is 18000 : - I first pay Deductible 2500; - then I pay 80% of the amount up to 5000 Max Out - of - Pocket; - and then Insurance covers the remaining part of the bill? How it works if the Hospital part In Net looks like 500D / 5D / admit after Ded - who pays if it is over 5 days and how much? a hundred percent or Co - Insurance part? Thank you for your help, as I got confused even after reading all the helps on insurance web - sites- Is your deductible included in your out of pocket max ? sometimes it is, sometimes it isn't. you pay your deductible of 2500$. then you pay your co - insurance of 80% up to 5000$ oop max then insurance pays a hundred percent of covered services for the calendar yr
- You should be buying through a local agent, instead of trying to do "do it yourself" insurance - they can explain how all this works. Your abbreviations are not clear - if you have a five day deductible, the first five days of care are not covered. If you have a limit of coverage, to five days, then YOU pay every day over five days
- If you are going to do it yourself get quotes from different life insurance companies first. Agents will cost you $. If it is too much trouble then consider getting a non term life insurance plan for say like $50, 000 without a medical exam
- I am not an expert on this, however I would suggest you take a tour here HealthInsuranceIdeas.info / free - online - health - insurance.htm, there are expert's tips there
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