TLDR; it's v. confusing but so important.
Either way, if there's a doctor you like or any medications you take regularly, make sure it's covered under the plan you choose.If there's a specific doctor or medical center you use, make sure they accept the insurance you choose and are listed as"in-network" with your insurance . The same goes for any medications you need.But know that even if your care or medications are covered, you might still have to pay a copay and/or coinsurance.
Copays usually apply to routine visits, while he says,"Coinsurance is the percentage of the care you pay for after your deductible is met." If your coinsurance is 20%, you'll pay 20% of your healthcare costs, and your health insurance company will pick up the other 80%.Tap to play or pause GIFcovered The deductible is how much you pay before the insurance kicks in — the floor, but the out-of-pocket limit is the most you have to pay in a year — the ceiling.
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