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

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  •  That would have to be verified... (0+ / 0-)

    existing individual plans usually have a deductible, then a separate co-insurance amount (you pay a percentage) until the co-insurance you have paid reaches another $ maximum and than the ins. co pays 100%. So the total you can be out of pocket can vary depending on the plan. Perhaps this has changed with the ACA plans although after seeing some of the Arizona plans, it's still not clear to me.

    Just another faggity fag socialist fuckstick homosinner!

    by Ian S on Sun Oct 06, 2013 at 05:58:45 PM PDT

    [ Parent ]

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

      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. I too need to examine more actual plan details as soon as I can access them.

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