Need Some Borderline Urgent Help Understanding This Dumbass Country’s Healthcare Plans – Massachusetts

Hey everyone, going to cut right to the chase. I was on Mass Health for free for COVID reasons. I am Self Employed, non incorporated sole proprietor. I was "of course" kicked off the mass health plan this year because that special pandemic period was ending for me and I got Tufts Bronze 2850 (2850 being the deductible). It's a fairly cheap plan as far as health plans go and I did not expect to need it.

Fast forward a couple months I have been having stomach issues and groin issues so I decided to go in for a CT Scan and my jaw dropped when I saw how much they charge for something that is a diagnostic procedure. So I have a couple of questions, because frankly I cannot afford to me hit with bill after bill like this right now, I am in the Film Industry and as you know studios are basically suffocating us. I was diagnosed with two Hernias, one Inguinal and one Umbilical. They are listed as "tiny", but I have been so inconvenienced physically in every way by them that there is no question I need to get them fixed. Anyway here are my questions:

I have been on this insurance plan for 2 months now, the CT bill is obviously going to be high and the surgery is obviously going to be a little bit higher. My assumption is the maximum that I am going to have to pay on my current plan would be the $2,850. Is this true? I assume I can't just switch my insurance plan now (The Mass Health Connector appears to let me do so) for the surgery so I pay less, or can I? I would assume there is some sort of grace period before procedures can be comped. Am I right or wrong? Can anyone recommend a decent Mass Health Connector Plan by chance that has a good coverage to premium cost ratio? This cannot happen again, I am struggling this season. submitted by /u/DankestHerbivore
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