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View Diary: SEIU to do Obamacare outreach in 14 states (29 comments)

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  •  Thanks. Dead or ruined without the coverage for (0+ / 0-)

    a medical accident.
    You'll need to look "for out of pocket" total per year.

    If it says 80/20, this should mean that after the deductible is met for the individual covered, there is an "out of pocket" amount that you pay for each event until the specified total is met.  When the total out of pocket amount is met, the insurance then pays 100%.  This is usually per year.

    Look closely at what counts towards the deductible.  Some companies do not count co-pays or the amount one pays for an RX.

    I just went online & looked at our claims/insurance history. Our insurance company has a page showing how much of the deductible has been met this year for each individual as well as the amounts paid "out of pocket". Also how much needs to be met before the insurance kicks in at 100%.

    Handy graphs I did not know they had.  Guess I'll also use these to help figure out what insurance to get thru ACA.

    We've gone through times of no insurance, sucky insurance, good insurance & were extremely lucky to not really have to use any of it until last year.  

    After glancing at the claims paid, I see that I was way off with what that event cost-probably closer to 200-300K.  Just the hospital room was over 45K...melted my brain.

    Jeebus, I now fully appreciate how one event can devastate-insured or not.

    Good luck.  Hopefully the site will have tons of info explaining the different coverage options for all of us that have no experience with all this.

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