Help me to understand insurance and birth medical bills. What am I missing?

posted 2 months ago in Wellness
Post # 31
429 posts
Helper bee

Sansa85 :  Yeah, we have a weird plan now but everything is covered 90% and then you get a debit card to use for rx’s, copay’s and any other medical related expenses. If I go to my hospital or the one we are affliated with- it’s covered 100%, so I’ll take it! If we have children, I def. plan on having it at our main campus. I already had switched my OB since my old one left and I love her!

Post # 32
7297 posts
Busy Beekeeper

blondie603 :  I had to look up co-insurance because that’s just not a thing on my plan! After my deductible is met I only have co-pays until I hit my OOP max. I don’t know how it’s so broken in the rest of the country. 

EllyAnne :  I’m guessing salaries aren’t that much higher honestly – not enough to make up the difference. Depending on the level of employer coverage (if any) health insurance can be one of the biggest bills a family pays in the US. I know of families that have health insurance premiums at $2k/month! And that doesn’t include the deductible, co-pays, etc. The primary cause of bankruptcy in the US is medical bills. Our care is very expensive and, in many areas, not very good. 

Post # 33
4966 posts
Honey bee
  • Wedding: October 2017

It is so important to understand your plan. Look at your eobs, look at the bills sent to you, and make sure they make sense.

Our first bill for my husband’s heart attack has come in, and they are applying our deductible, showing that we owe the deductible, when we already met our family deductible a few months ago. Our eob shows the same thing, our eob doesn’t make sense based on what I know about our plan, so I get to make some phone calls this week 

I seriously think they just believe people will not pay attention and will start breaking out the checkbook.

Health insurance is a confusing night mare, make sure you understand your plan

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