John Galt III
Thinks s/he gets paid by the post
- Joined
- Oct 19, 2008
- Messages
- 2,799
I'm deciding which HI plan to choose for my 2015 ACA policy. I'm currently considering a plan that has a $100 deductible, 10% coinsurance and a max out of pocket (OOP) of $500. (Five Hundred) Sounds pretty good, right?
I'm just a little paranoid about whether the OOP max will really protect me in the event of a major medical expense.
I know there are rules to be followed to make sure one does not incur a large bill for healthcare, as in the quote below, regarding the out of pocket limit, from Healthcare.gov :
"This limit does not have to count premiums, balance billing amounts for non-network providers and other out-of-network cost-sharing, or spending for non-essential health benefits."
I know there are many instances of people crossing all the T's and dotting all the I's, and still getting whacked, and having large expenses not covered.
Has anyone out there gone over the Max OOP and NOT been whacked up side the head by the provider and/or the insurer
Some positive stories would be reassuring!
I'm just a little paranoid about whether the OOP max will really protect me in the event of a major medical expense.
I know there are rules to be followed to make sure one does not incur a large bill for healthcare, as in the quote below, regarding the out of pocket limit, from Healthcare.gov :
"This limit does not have to count premiums, balance billing amounts for non-network providers and other out-of-network cost-sharing, or spending for non-essential health benefits."
I know there are many instances of people crossing all the T's and dotting all the I's, and still getting whacked, and having large expenses not covered.
Has anyone out there gone over the Max OOP and NOT been whacked up side the head by the provider and/or the insurer
Some positive stories would be reassuring!
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