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Current Events > I don't really understand health insurance lol

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lww99
02/02/21 7:46:57 PM
#1:




if the cost is 530, and only 34 is covered, how do I only pay 95?

I havent hit my ridiculous 10k deductible yet

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Irony
02/02/21 7:48:02 PM
#2:


No one does

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Xatrion
02/02/21 7:51:39 PM
#3:


Here's your ass before health insurance - o
And here's your ass after health insurance - O.

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lww99
02/02/21 7:59:36 PM
#4:


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monkmith
02/02/21 8:01:01 PM
#5:


its like the tax system, completely fucking broken and intentionally convoluted to confuse the fuck out of you and make you go to specialists to get something worthwhile...

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Squall28
02/02/21 8:01:10 PM
#6:


Try clicking the view explanation of benefits Thomas.

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Alteres
02/02/21 8:01:53 PM
#7:


They have deals with the hospital, the fee they charge the insurance company is 10x less than the bill you would get if they presented it to you without insurance.

The insurance company presents this difference to you as savings.

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lww99
02/02/21 8:02:16 PM
#8:


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Webmaster4531
02/02/21 8:02:43 PM
#9:


It's like a ponzi scheme. They take the money they get from their clients and use it to pay the other clients' medical bills.
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lww99
02/02/21 8:50:12 PM
#10:


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Cleo_II
02/02/21 8:54:10 PM
#11:


As a Canadian living here almost 10 years, I still dont get any of it. Its bad, but I just let my husband handle those things.
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kingdrake2
02/02/21 8:55:44 PM
#12:


lww99 posted...
hmm hopefully thats all I have to pay


i had a bill like that. owed 1500$ didn't realize i wasn't allowed to use the emergency room.
2 incidents did that. seizure incident during the summer and the sprained ankle incident last year.

if it says you pay that's the amount you owe only.
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Flockaveli
02/02/21 8:55:57 PM
#13:


It's a scam.

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Dark_SilverX
02/02/21 8:56:17 PM
#14:


your winning

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ncsonic
02/02/21 8:58:14 PM
#15:


It's a giant scam that's all you need to know

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Paragon21XX
02/02/21 9:01:44 PM
#16:


Doctor billed $530, in-network rate is $119, insurance paid $34, you pay the remaining $95.

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I4NRulez
02/02/21 9:08:04 PM
#17:


we would need to see your full benefits to give you a real answer.

Its essentially like this. Your doctor bills you for an amount. You pay up to your deductible and OOP. Once you hit your deductible your insurance will start covering a certain % for procedures. Lets say they cover 90% of your shots or whatever.

You then pay 10% until you hit your OOP then your insurance should cover it all most of the time. There's a lot more to it but thats like the gist of it

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Jiek_Fafn
02/02/21 9:08:56 PM
#18:


Magic

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ConfessPlease
02/02/21 9:11:42 PM
#19:


Paragon21XX posted...
Doctor billed $530, in-network rate is $129, insurance paid $34, you pay the remaining $95.
Yeah this is the answer. They may bill 530 but they have a in house discount that is always deducted even without the deductible. 34 was something that is covered all the time.

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Smackems
02/02/21 9:15:05 PM
#20:


Xatrion posted...
Here's your ass before health insurance - o
And here's your ass after health insurance - O.
100% this

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