Clueless about insurance coverage assist !

By | October 31, 2018

If our healthcare plan is an HMO (Kaiser Bronze) and has a $14,000 total deductible for my husband and I (household plan), idoes this imply that I am going to pay full prices (and never only a $50 copay or no matter) each time I’m going see a main physician for issues like a chilly or being sick? Our out of pocket restrict is $14000 for household – we’re fairly wholesome however my husband performs and coaches soccer as his profession, and we’re avid skiiers so I am a bit of panicky about insurance coverage being a saving grace for us god forbid we have been to get damage. The opposite choice is a $1000 household deductible (Kaiser Silver), $9000 out of pocket however we will pay an additional $200 a month for this.. Simply undecided if it is price it. Sorry for the rookie query, I simply actually do not perceive insurance coverage in any respect and we’re a younger couple – I am 25 and he is from the UK the place they do not need to handle healthcare plans so that is the primary time both of us are understanding this! submitted by /u/breewoolly [link] [comments]