Revisiting Deductibles, Coinsurance, and Max out of Pocket...And COPAYS

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Information Revisiting Deductibles, Coinsurance, and Max out of Pocket...And COPAYS

Title	:	Revisiting Deductibles, Coinsurance, and Max out of Pocket...And COPAYS
Lasting	:	8.33
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Views	:	17 rb

Once I pay the max out of pocket amount for my family insurance Is every cent after that amount for the rest of that year paid 100 by the insurance company?
Comment from : Eric Robison

Yes, but what if it is something that is not covered? Like, can they say no to a serious procedure?
Comment from : The Fox Entrepreneur

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

Your system is just broken No other words to discribe that 😢
Comment from : Die_militante_Atheistin

So once you pay the deductible is it done for the year or is it every time you go to the hospital ??
Comment from : Mustlehard

So essentially you want a low deductible and a low OOP correct?
Comment from : iRul3TheSky

So I have 750 Duductible and 2250 OOP However, on my plan, it says ER visit will be $100 Copay (wave if admitted) and 10 of the charges after the deductible (For both In and Out of network) Which means doesn't matter if in or out of Network provider, I will only pay 10 after I've meet my dudctible So in the case of 6000 bill (including Ambulance) How much would I pay? Also, is this a good insurance? I only pay $43 a month and it says my employer pays $383 a month
Comment from : iRul3TheSky

Comment from : skoop queen

Hey im in illinois and I have this crazy question on the exam which asks ' A guy is in a police chase, gets injured, meanwhile the two cops die in a crash during the chase, guy gets convicted on manslaughter, what will the insurance MOST likely do w regard to his ADnD'? Cancel his plan amd refund premiums? Or just simply keep his policy in force while obviously not pay the benefit? Surely no benefit as he was injured while commiting a crime
Comment from : Autophagi

If insurance denies a procedure/code, does it count toward out of pocket max?
Comment from : Olga

Hello I am currently in the Medical Billing part of my online Medical Coding Course Learning who pays first when multiple agencies invilved Trying to understand why all don't charge the same and pay the same
Comment from : Bern Fran

THANK YOU!
Comment from : EASTBAY IVXX

I appreciate this video, I just started my first job as an RN and will have to choose a plan and I feel lost
Comment from : Lowkyarwa

thank you
Comment from : Disciple Rhinehart

Do routine exams ie yearly physical, mammograms come under copay where they are covered 100 but you pay a copay for the visit What about sick visit that’s not hospitalization just antibiotic’s RX That always confused me with PPO plans
Comment from : Kim B

I need help For the past 5 years my husband and I have been on a HDHP plan with HSA(employer gives a monthly contribution of $50) we pay $156/month (deductible of 3,000/fam and 9,000/fam for out of pocket) Within these 5 years my husband had a kidney transplant and has medication that he’ll be on for life as well as regular Dr visits and specialist visits Lately we’ve been thinking about having a child and whether or not we should switch to an PPO The PPO would cost us $216 per month (2,400 deductible/fam and 12,400 out of pocket/fam)brbrCan you help me decide or what should I be focusing on I’m so lost and scared of change but the PPO would be about$35 for copay at Dr so it sounds like it might be better bu
Comment from : erikita4

Thank you from Algeria 🇩🇿 I want to consult you on some matters related to insurance companies We in this country have a bad insurance system There is no private health insurance company I am in the process of opening a start-up company in this field and I want to understand the system well
Comment from : imed sahraoui

Can you pay your deductible or maximum prior to any medical expense? If so which would be better to pay off? Suppose you know you'll have a bunch of medical expenses throughout the year, which would be the best option?
Comment from : Naddy A

hi thank you for this video can we have a sample video about cross accumulation, carry over and other terms please
Comment from : Michael John Fuentes

Idiot insurance agent hahaself depcration is always funny
Comment from : Eyetrepreneur

Much better video with more steady camera man hand! thanks for explaining everything
Comment from : Alex

Is COPAY count toward Deductible or Max out of pocket?
Comment from : sue M

Does any money spent out of pocket on doctor visits or health care accumulate towards the deductible?
Comment from : Markuz Antwahn

This is so helpful Thank you!!!
Comment from : Snoops

I have a question! I'm deciding between health insurance plans now and the plans I'm looking at say "100 coinsurance" Does that mean that they pay 100 after the deductible? Or does that mean I do? One plan says $4k deductible, $4k max OOP, and 100 coinsurance, while the other plan says $2k deductible, $4k max OOP, and 100 coinsurance Does that mean that the first option is actually best because the 100 coinsurance means I'm 100 responsible until I meet the max OOP???
Comment from : Heather Brandt

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Comment from : Shabbir Nasir

I had a baby in April Girlfriend and I are not married, but both have the same insurance (BCBS) working for the same company Deductible single is $2600, family is $5600 OOP single is $2600, family OOP $5600 I asked the hospital to put the baby under my insurance at the time of birth, hospital did not do that, so it went to the mothers (Reason was she was going to be stay at home mom) Tried to resend it back through my insurance and insurance denied it again My girlfriend already had medical complications and needed to get them checked out before birth after she had to go to the ER 6 months into pregnancy So she had already paid close to around $2000 all in all out of pocket before birth Birth comes and we are billed $16,000 and insurance only picked $7500 We are STILL fighting with BCBS and the hospital about the out out of pocket and deductible I am exhausted and have no idea what to do about it Because $1300 has already been sent to collections
Comment from : Jake Butcher

Personally, I feel that as we age spending time in the hospital and under doctor care at some point is inevitable I would rather pay a little more up front, predictable expenses, than have to worry about coming up with unpredictable amounts for deductibles and copays (that might repeat themselves as the calendar clicks over to a new year) when I am sick The last question you want to have to ask your doctor when you are sick is, "How much is that going to cost?" I've been there That shouldn't be the deciding factor in your care
Comment from : Alan Sach

You made it so easy for me, thank u so much
Comment from : Nehal Elsheikh

US Healthcare costs are horrible Just disgusting What is the biggest reason why there is no more competition between hospitals/doctors? Doctor's associations limiting doctor education? Or hospitals/doctors/insurance companies cannot compete federally? Can you explain?
Comment from : Simo Kokko

Quick Question Wife had heart surgery, we paid $8500 which was her max out of the pocket for the year But we are getting bills from the surgeon ($1700) and from the pacemaker people ($250) Why are we getting bills when we meet Max OOP? And how do we handle those bills?
Comment from : DavidL78613

My plan has individual out of pocket maximum as 5000 and family out of pocket maximum 10000 How it will work? brCoinsurance for visiting doctors is 20 So it should be applicable till out of pocket maximum is met?
Comment from : Ganadhish Mehendale

My goodness I love you 🙏😭😩
Comment from : jen s

What about prescription coverage?
Comment from : Bill frank

Any Videos on "Coordination of Benefits" when you have 2 Family plans? My question: How does it work if the Husband & Wife work 2 different jobs but BOTH have the SAME EXACT BC/BS PPO Blue Family plan Husband just got a job which offers the exact same plan ! My husbands plan will be "Secondary" due to my Birthdate being earlier - his has a LOWER Deducible ($1,500 Ind/ $3,000 Family)(Mine is $2,500 Ind/ $5,000 Family) Will having his Secondary Insurance help save us $$ throughout the year if there is a surprise Surgery or large medical bill / will it help pay my higher Deductible ?? Trying to decide if he should pay the extra $300 a month or Opt out I can't find this particular situation , the pros & cons anywhere on the net Thank you - appreciate your channel !
Comment from : OverRunWithBoys

I believed the coinsurance of 30 would come from the $7500 allowed amount?brShould it be that way?
Comment from : owl85success

Question Does coinsurance kick in once I meet the deductible? Or does it only activate afterwards on the next time I use Insurance?brbrAnd you said knowledgeable insurance agents can help eliminate some OOP expenses Can you get into more detail? Talk to insurance agent? Talk to hospital? Thank you
Comment from : N 01100

My agent find insurance with deductible but I don't have out of pocket 0$ what is mean I have 625 deductible and $ 0 out of pocket max is good coverage This is my question And also have another question why people buy that kind of insurance with dectuble and also max of pocket why people just don't just deductible instead of buying deductible and out of pocket both why See I got insurance just deductible I don't have have out of pocket m wondering please reply
Comment from : Murad Lalani

Could you give an example of how copay, deductibles, and co-insurance works when visiting a provider? Thank you
Comment from : Louise Anne Basa

Thank you so much for texting me back and answering my question! Very helpful! 😊
Comment from : An De Paiva

I bet there are a lot of people that are needing to know this now after being hospitilized during the pandemic I learned in 2019 after multiple hospital stays and looking at your video on this topic later on Thanks for revisiting this topic!
Comment from : Lupus Lifestyle