What the Healthcare - Deductibles, Coinsurance, and Max out of Pocket

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Title	:	What the Healthcare - Deductibles, Coinsurance, and Max out of Pocket
Lasting	:	4.08
Date of publication	:
Views	:	76 rb

How is it possible to meet out of pocket max but not deductible? I've met my max but still owe $7669 deductible Now for a procedure I'm told I have to pay the $7669
Comment from : Brad Brock

not related comment but im really into an insurance but how you perauade is how i see myself😇
Comment from : Calming self remedies

What if your first medical bill is higher than your Max OOP Do you just pay your OOP and the insurance covers the rest? I have a major 3 part mri this month and money is tight
Comment from : Mike Rodriguez

Thanks a lot Keep it up
Comment from : MM

Hi, if anyone is watching this video pls help me What happens if the med bill is less than mi deductible?
Comment from : javier stambullian

This is great
Comment from : REX YZ

Wow glad I have kiaser my broken arm was literally free besides $25 co pay and $10 x ray Whewww
Comment from : Cuban blanco

Had a surgery and couple visits which I already met my $6000 maximum out of pocket withbrbrEnded up having another 3 say stay at the hospital for $50,000 due to complicationsbrbrI shouldn't have to pay any of this due to reaching my max oop?
Comment from : rbraga92

You didn't mention NY, New york in your states Does it mean you won't be able to help the client from ny, i would to like to contact you if you do THANKS
Comment from : creativemind363

Thank you so much!!!!! 🥳🤎
Comment from : Danique

I'm shopping as we speak, and the coinsurance number that I'm seeing on the marketplace right now isn't detailed as both parts of the whole 100 (for instance 80/20) Instead they're just shown as one number, 40 for example This would be the percentage that I (not my insurance) pay right? Because I'm seeing a lot of Out of Network visits are listed as "100 coinsurance after deductible" I can't imagine an OON visit would be free
Comment from : onyx

Thank you
Comment from : V Anderson

Over the past 5 years between my company and myself paid close to 20k in premiums to insurance company barely used 2 k worth of it the company paid probably 350 dollars of my claims the last 4 yrs
Comment from : Gibson0728

Good joe
Comment from : snigdha mithun

Do health insurances give you the option to pay those out of pocket expenses over time or do you have to pay them up front?
Comment from : Pikachu uprising

How is the deductible determined? Is it calculated depending on you total bill cost, or is a pre-set fixed number that you pay regardless of your total bill cost? So, in this example was the deductible calculated to 3,000 in light of the 20,000 bill, or is the 3,000 deductible a set number that doesn't change regardless of the bill?
Comment from : Roy Raheb Khelo

At the time of training i really needed this knowledge to handle Florida blue patients information that is first priority to keep it safe and to get self explanatory for the sake of knowledge from your video itselfAnd thanks sir for this nice video and basically I'm from India 🇮🇳♥️🇺🇲🤝
Comment from : Pankaj Naidu

This is so easy to understand thank you I'm a public health major right now learning about medicare, etc
Comment from : Josh McGrath

shabbirhealthblogspotcom/2022/08/getting-to-grips-with-hormone-healthhtml
Comment from : Shabbir Nasir

Crazy,, its actually cheaper to have no insurance,,, there are places that offer great discounts if you are paying cash well, here in NY that is
Comment from : MR T

How would this work if you are using someone out of network and you have a PPO that allows you to see other doctors that are out of network?
Comment from : L Camp

Thank you this video was helpful you explained everything perfect Simple and informative
Comment from : rudeman951

Joe ! Please give their definition as well and speak slowly Actually in an interview, the interviewers ask the definition of Deductible, Copay, coinsurance, out of pocket, plan maximum, Medicare, medicaid etc Sometimes they put questions for pointer, modifiers, units, grand father plan Health plan data base Please explain them one by one for your viewers
Comment from : M

Is a $200 deductable, 80 Coinsurance, and $1,000 out of pocket maximum ok insurance?
Comment from : Michael

I have had 2 "in-network" procedures with thousands out of pocket and my summary does not count any of it toward my deductible or max I'm looking at a 3rd surgery in a few months I have tried to get answers as to why I still lack almost the entire amount and get the runaround Is there a reason they wouldn't count health-related, in-network surgeries when my coverage says it should?
Comment from : scarletteorchid

Perfect explanation Joe 🙏
Comment from : Mercy Loicy

Thank you! I'm a mental health therapist and have just opened a practice Learning through brute force about insurance is painful, but you helped me understand a lot
Comment from : Joseph Whittington

VERY helpful Maybe you should be the head of the health care market place because they can explain ANYTHING I think dental is the same but, quick video may be helpful if its different Again, thank you
Comment from : S Downing

Thank you for example and breakdown I get it now !
Comment from : christos zuniga

Health care should be free
Comment from : nyamoita ratemo

If oop is met and plan still shows ded remaining, should we consider 100percent coverage and ignore the ded ?
Comment from : natasha harvey

Thought I'd also add this was a great explanation Thank you! I will be sharing
Comment from : kathy nunez

Great breakdown Joe! More plans should be explaining it in these terms Also, I think employers should explain their plan comparisons this way - BRAVO!
Comment from : David Allyn

Great video! Thanks for sharing
Comment from : Christie McPeters

Strange system and too expensive
Comment from : كاشف المنافقين

Hi, thanks for the video I have a question So using this situation, if the person has another 10k bill, he only needs to pay the remaining 16k OOP? And the rest will be covered by insurance? Thanks
Comment from : Kim Le

Glad I came across this video! I recently ruptured my eardrum with just a week before losing my insurance currently doing some shopping for new coverage and having you explain the different terms that I didn’t understand! I feel a lot more comfortable and what to choose! Thanks so much’
Comment from : Jazmine Alonzo

A major medical maximum of 500 000 means?
Comment from : Bryan Spicer

Exactly what I was searching
Comment from : pankaj

Thanks for making this simple
Comment from : Millicent Owens

Thank you so much I am studying for my insurance license and this really help me to understand coinsurance
Comment from : Michelle Crockett

Just amputate the arm Health insurance stresses me out I'd rather die But that's probably my ptsd talking
Comment from : elijah caballero

Thanks for your video
Comment from : Sergio Urias

How does it work if the Deductible is higher than the Out of pocket? So 5k deductible but 2500 out of pocket? That would suggest you cant pay above 2500?
Comment from : Acorn Tree

So once you hit max OOP everything going forward is covered?
Comment from : Ben Ward

Thanks from india
Comment from : Irfanulla Hussaini

so if you crack ur arm before ur deductible is paid and pay the rest of it after you’re injured do u still get 20-80 or whatever off??
Comment from : Tim Burge

I think health insurance is a scamdeductibles are thousands of dollars if you pay only $200 per month (Car payment) on top of that you still pay a fee for everything Ive heard about health systems in denmark and canada where things are cheaper For example seeing an specialist is always free, no stupid deductibles
Comment from : Awesome Life

use a lav or boom microphone please
Comment from : Travis Vodden

I speak Spanish and EXCELLENT thanks Joe
Comment from : Jorge Cajas

Very cute
Comment from : Jason H

I wonder if you still take calls, I just tried
Comment from : Lee Pinnguin

Great video, thank you so much!!
Comment from : KARYN DONYELL

very clear explanationbrthanks
Comment from : morne petersen

Why I feel like from one end u look like Chris Evans
Comment from : deepika R

I don't know nothing before seeing this video but i got some idea after seeing the video such as co-insurance deductable out of pocket expenses brThanq so much bro 👍
Comment from : VENUMADHAV AERVA

Best explanation i've seen of this Thank you
Comment from : Humbleprogress

Tamil
Comment from : MARICHAMY R

I think Coinsurance is calculated on the allowed amount
Comment from : umesh d aiah

youtube/17R08Kw_9I0
Comment from : Learn And Grow

Can I get Ur country code
Comment from : Rohan Kumar

Handsome🥰
Comment from : Viengphone VONGXAY

I don’t go to the doctor much but I’m going to start going more (chiropractic, check ups, etc) but I don’t know which one to choose! I’ve had the BCBS 1500 plan but should I have 750 plan?
Comment from : Tony Gareth

thanks for breaking this down in an intelligent, concise manner I just got a insurance sales job with GoHealth here in Charlotte, NC and am currently trying to pass the NC Health exam to get certified
Comment from : Dan K

In the same example will you plz explain the role of co-pay ??
Comment from : BIBEK SAHOO

thank you sir
Comment from : BIBEK SAHOO

Working in an insurance company so here I am watching this 😅
Comment from : Donna Zamora

Great video, thanks so much For it I do have a question Does pt has to pay out of pocket for every physician visit until out of pocket max is paid? Or only the copay is needed to be collected?
Comment from : josidaka20