β² 2059 βΌ Health insurance (lemmy.world) submitted 3 years ago by lawrence@lemmy.world to c/comicstrips@lemmy.world 95 comments fedilink hide all child comments
[β] bustrpoindextr@lemmy.world 21 points 3 years ago (2 children) If you had no co pay you wouldn't have had a $200 bill ( unless you went out of network and then fuck you for wanting to have a choice) permalink fedilink source parent hideshow 4 child comments replies: [β] abraxas@sh.itjust.works 13 points 3 years ago* (2 children) Found the European (or just someone young who doesn't know much about typical insurance shell-gaming). You have no copay, but most insurance plans include any non-preventative visit in the deductable. That means you are responsible for 100% of the bill until your $1500/yr deductible (in as low deductible-plan, a LOT higher in most plans) is reached. To look like they're actually doing something, they treat the negotiated rate from the doctor's MSRP as a "discount" (the doctor says $300, the insurance negotiates you to $200). The really ugly irony of that, is that if you were uninsured, many offices would have given you an NP for $70, and some have an "uninsured rate" of like $150. permalink fedilink source parent hideshow 4 child comments replies: [β] ChamrsDeluxe@lemmy.world 3 points 3 years ago (1 child) My deductible with that company was $5000 lmfao! Who the fuck is going to ever meet that in a year!? permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 3 points 3 years ago (1 child) And the irony is that anything not covered (like your responsibility on a coinsure) does not apply to the deductable. Nor do copays. Literally the only thing left is "Maximum Out of Pocket", but they even have ways around that. permalink fedilink source parent hideshow 2 child comments replies: [β] ChamrsDeluxe@lemmy.world 1 point 3 years ago With the insurance I have now through my company, I already met tge deductible and haven't been charged extra for anything. It's really nice! permalink fedilink source parent [β] bustrpoindextr@lemmy.world 1 point 3 years ago* (1 child) I'm both American and have been on multiple different insurance plans. (Including a no copay plan) No copay means no copay, what you're describing is not no copay. https://www.tuftsmedicarepreferred.org/healthy-living/what-difference-between-copays-deductibles-and-coinsurance#:~:text=Copays%20cover%20your%20cost%20of,time%20you%20visit%20your%20doctor. permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 4 points 3 years ago* (1 child) No copay means no copay, what youβre describing is not no copay. Yes, "no copay means no copay". Most insurance plans have BOTH a copay and a deductable on a large number of higher-end services like inpatient surgery and the diagnostics like CT. And I have had, and helped family shop for, healthcare plans that have no copay, but still have a deductable. Further, there's a lot of PPO variants that have no copay or deductable, but have a coinsurance for everything. In my adult life, I have never seen a plan where your "typical" out of pocket for anything other than Primary Care or Teledoc was anywhere near zero, even if those plans approach $3000/mo. And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). For a patient, money going out feels the same as money going out. Especially in large quantities. permalink fedilink source parent hideshow 2 child comments replies: [β] bustrpoindextr@lemmy.world 1 point 3 years ago (1 child) And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). Sure but the conversation was about copay ;) permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 3 points 3 years ago* Sometimes conversations get confused pretty quickly in thread format. I never understood why, but it IS hard to keep context in Lemmy. Let me reopen with what I was replying to: If you had no co pay you wouldnβt have had a $200 bill That's what you opened with. The person above you didn't use the word "copay" at all. They just complained about being charged $200 to get a note. Your reply was the quote above. My reply was "but most insurance plans have a ... deductible". The conversation was really about money out of pocket. I think you inadvertently thought it was about copays. It happens :) permalink fedilink source parent [β] ChamrsDeluxe@lemmy.world 3 points 3 years ago Nope, in network, that's just how their insurance worked. permalink fedilink source parent
[β] abraxas@sh.itjust.works 13 points 3 years ago* (2 children) Found the European (or just someone young who doesn't know much about typical insurance shell-gaming). You have no copay, but most insurance plans include any non-preventative visit in the deductable. That means you are responsible for 100% of the bill until your $1500/yr deductible (in as low deductible-plan, a LOT higher in most plans) is reached. To look like they're actually doing something, they treat the negotiated rate from the doctor's MSRP as a "discount" (the doctor says $300, the insurance negotiates you to $200). The really ugly irony of that, is that if you were uninsured, many offices would have given you an NP for $70, and some have an "uninsured rate" of like $150. permalink fedilink source parent hideshow 4 child comments replies: [β] ChamrsDeluxe@lemmy.world 3 points 3 years ago (1 child) My deductible with that company was $5000 lmfao! Who the fuck is going to ever meet that in a year!? permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 3 points 3 years ago (1 child) And the irony is that anything not covered (like your responsibility on a coinsure) does not apply to the deductable. Nor do copays. Literally the only thing left is "Maximum Out of Pocket", but they even have ways around that. permalink fedilink source parent hideshow 2 child comments replies: [β] ChamrsDeluxe@lemmy.world 1 point 3 years ago With the insurance I have now through my company, I already met tge deductible and haven't been charged extra for anything. It's really nice! permalink fedilink source parent [β] bustrpoindextr@lemmy.world 1 point 3 years ago* (1 child) I'm both American and have been on multiple different insurance plans. (Including a no copay plan) No copay means no copay, what you're describing is not no copay. https://www.tuftsmedicarepreferred.org/healthy-living/what-difference-between-copays-deductibles-and-coinsurance#:~:text=Copays%20cover%20your%20cost%20of,time%20you%20visit%20your%20doctor. permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 4 points 3 years ago* (1 child) No copay means no copay, what youβre describing is not no copay. Yes, "no copay means no copay". Most insurance plans have BOTH a copay and a deductable on a large number of higher-end services like inpatient surgery and the diagnostics like CT. And I have had, and helped family shop for, healthcare plans that have no copay, but still have a deductable. Further, there's a lot of PPO variants that have no copay or deductable, but have a coinsurance for everything. In my adult life, I have never seen a plan where your "typical" out of pocket for anything other than Primary Care or Teledoc was anywhere near zero, even if those plans approach $3000/mo. And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). For a patient, money going out feels the same as money going out. Especially in large quantities. permalink fedilink source parent hideshow 2 child comments replies: [β] bustrpoindextr@lemmy.world 1 point 3 years ago (1 child) And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). Sure but the conversation was about copay ;) permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 3 points 3 years ago* Sometimes conversations get confused pretty quickly in thread format. I never understood why, but it IS hard to keep context in Lemmy. Let me reopen with what I was replying to: If you had no co pay you wouldnβt have had a $200 bill That's what you opened with. The person above you didn't use the word "copay" at all. They just complained about being charged $200 to get a note. Your reply was the quote above. My reply was "but most insurance plans have a ... deductible". The conversation was really about money out of pocket. I think you inadvertently thought it was about copays. It happens :) permalink fedilink source parent
[β] ChamrsDeluxe@lemmy.world 3 points 3 years ago (1 child) My deductible with that company was $5000 lmfao! Who the fuck is going to ever meet that in a year!? permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 3 points 3 years ago (1 child) And the irony is that anything not covered (like your responsibility on a coinsure) does not apply to the deductable. Nor do copays. Literally the only thing left is "Maximum Out of Pocket", but they even have ways around that. permalink fedilink source parent hideshow 2 child comments replies: [β] ChamrsDeluxe@lemmy.world 1 point 3 years ago With the insurance I have now through my company, I already met tge deductible and haven't been charged extra for anything. It's really nice! permalink fedilink source parent
[β] abraxas@sh.itjust.works 3 points 3 years ago (1 child) And the irony is that anything not covered (like your responsibility on a coinsure) does not apply to the deductable. Nor do copays. Literally the only thing left is "Maximum Out of Pocket", but they even have ways around that. permalink fedilink source parent hideshow 2 child comments replies: [β] ChamrsDeluxe@lemmy.world 1 point 3 years ago With the insurance I have now through my company, I already met tge deductible and haven't been charged extra for anything. It's really nice! permalink fedilink source parent
[β] ChamrsDeluxe@lemmy.world 1 point 3 years ago With the insurance I have now through my company, I already met tge deductible and haven't been charged extra for anything. It's really nice! permalink fedilink source parent
[β] bustrpoindextr@lemmy.world 1 point 3 years ago* (1 child) I'm both American and have been on multiple different insurance plans. (Including a no copay plan) No copay means no copay, what you're describing is not no copay. https://www.tuftsmedicarepreferred.org/healthy-living/what-difference-between-copays-deductibles-and-coinsurance#:~:text=Copays%20cover%20your%20cost%20of,time%20you%20visit%20your%20doctor. permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 4 points 3 years ago* (1 child) No copay means no copay, what youβre describing is not no copay. Yes, "no copay means no copay". Most insurance plans have BOTH a copay and a deductable on a large number of higher-end services like inpatient surgery and the diagnostics like CT. And I have had, and helped family shop for, healthcare plans that have no copay, but still have a deductable. Further, there's a lot of PPO variants that have no copay or deductable, but have a coinsurance for everything. In my adult life, I have never seen a plan where your "typical" out of pocket for anything other than Primary Care or Teledoc was anywhere near zero, even if those plans approach $3000/mo. And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). For a patient, money going out feels the same as money going out. Especially in large quantities. permalink fedilink source parent hideshow 2 child comments replies: [β] bustrpoindextr@lemmy.world 1 point 3 years ago (1 child) And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). Sure but the conversation was about copay ;) permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 3 points 3 years ago* Sometimes conversations get confused pretty quickly in thread format. I never understood why, but it IS hard to keep context in Lemmy. Let me reopen with what I was replying to: If you had no co pay you wouldnβt have had a $200 bill That's what you opened with. The person above you didn't use the word "copay" at all. They just complained about being charged $200 to get a note. Your reply was the quote above. My reply was "but most insurance plans have a ... deductible". The conversation was really about money out of pocket. I think you inadvertently thought it was about copays. It happens :) permalink fedilink source parent
[β] abraxas@sh.itjust.works 4 points 3 years ago* (1 child) No copay means no copay, what youβre describing is not no copay. Yes, "no copay means no copay". Most insurance plans have BOTH a copay and a deductable on a large number of higher-end services like inpatient surgery and the diagnostics like CT. And I have had, and helped family shop for, healthcare plans that have no copay, but still have a deductable. Further, there's a lot of PPO variants that have no copay or deductable, but have a coinsurance for everything. In my adult life, I have never seen a plan where your "typical" out of pocket for anything other than Primary Care or Teledoc was anywhere near zero, even if those plans approach $3000/mo. And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). For a patient, money going out feels the same as money going out. Especially in large quantities. permalink fedilink source parent hideshow 2 child comments replies: [β] bustrpoindextr@lemmy.world 1 point 3 years ago (1 child) And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). Sure but the conversation was about copay ;) permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 3 points 3 years ago* Sometimes conversations get confused pretty quickly in thread format. I never understood why, but it IS hard to keep context in Lemmy. Let me reopen with what I was replying to: If you had no co pay you wouldnβt have had a $200 bill That's what you opened with. The person above you didn't use the word "copay" at all. They just complained about being charged $200 to get a note. Your reply was the quote above. My reply was "but most insurance plans have a ... deductible". The conversation was really about money out of pocket. I think you inadvertently thought it was about copays. It happens :) permalink fedilink source parent
[β] bustrpoindextr@lemmy.world 1 point 3 years ago (1 child) And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). Sure but the conversation was about copay ;) permalink fedilink source parent hideshow 2 child comments replies: [β] abraxas@sh.itjust.works 3 points 3 years ago* Sometimes conversations get confused pretty quickly in thread format. I never understood why, but it IS hard to keep context in Lemmy. Let me reopen with what I was replying to: If you had no co pay you wouldnβt have had a $200 bill That's what you opened with. The person above you didn't use the word "copay" at all. They just complained about being charged $200 to get a note. Your reply was the quote above. My reply was "but most insurance plans have a ... deductible". The conversation was really about money out of pocket. I think you inadvertently thought it was about copays. It happens :) permalink fedilink source parent
[β] abraxas@sh.itjust.works 3 points 3 years ago* Sometimes conversations get confused pretty quickly in thread format. I never understood why, but it IS hard to keep context in Lemmy. Let me reopen with what I was replying to: If you had no co pay you wouldnβt have had a $200 bill That's what you opened with. The person above you didn't use the word "copay" at all. They just complained about being charged $200 to get a note. Your reply was the quote above. My reply was "but most insurance plans have a ... deductible". The conversation was really about money out of pocket. I think you inadvertently thought it was about copays. It happens :) permalink fedilink source parent
[β] ChamrsDeluxe@lemmy.world 3 points 3 years ago Nope, in network, that's just how their insurance worked. permalink fedilink source parent
