Health Insurance Plan – Need Help

Hi All,

While the title may feel like the topic isn't meant for this sub, thought I'd submit it and grab your thoughts as it does relate to personal finance.

I'm based in the US(been here only for a year) and rely on Employee provided health insurance. I previously selected the basic UHC plan b/c the only difference that I could see between the "premium" plans and my basic plan was just Chiro and Infertility included. Same % of coverage on all other medical services. Both of those healthcare services never applied to me, so I was ok with the slightly larger deductible (3.2K vs 4K). The premium difference was $25/biweekly vs. $75/biweekly.

The thing is I've been to the doctor and 2 specialists in the past year. Their bills are all higher than the estimate on the insurance website. Additionally, there are basic tests that those doctors prescribed, which vary dramatically in price and therefore my portion varies as well. My question is, on all my bills, there is a insurance discount, which after deducting from the bill amount, results in my out of pocket expense(from my deductible). Does that discount increase when I pick a better plan? Ex. the $75 plan? B/c when I read my documentation, the difference in the more expensive plan was just the inclusion of the two medical services(chiro/infertility) and lower deductible. Please do advise.

I'm new to privatized healthcare in the US so much appreciated. I'm in the process of contesting some of the bills and would appreciate any advice as well.

submitted by /u/stevekrack932
[comments]