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View Diary: Obamacare Metal Level Plans In One Easy Chart (27 comments)

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  •  a question about hospital stays (3+ / 0-)
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    Lujane, Mary Mike, ladybug53

    one of my friends sent me an email and said one of the Covered California plans (the Bronze 60) plan stated you had to cover 30% of a hospital stay?  For the Bronze the deductible is $5000 and out of pocket is $6350.  Does this mean once you meet this deductible and then the out of pocket cost insurance kicks in 100% for hospitalization? i am trying to find this out.

    Thanks!

    •  Out-of-pocket max now supposed to include... (1+ / 0-)
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      ladybug53

      My understanding is that with the ACA the out-of-pocket(OOP) max per year is now supposed to include any deductibles, co-pays and co-insurance paid by the consumer. In other words, everything except premiums and not covered services (like balance bills from out-of-network providers) should be counted toward the OOP max. That is different than the current system in which co-pays and deductibles have not usually counted.

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