Short Term Coverage Question

I'm in an interesting situation where I left my corporate job to sell on Amazon full time and I'm too late for marketplace insurance. I was going to just go the year without coverage and then get insurance for next year through the marketplace but now I've had infected tonsils for a month and I kind of need to stop ignoring it and do something about it.

I've found a plan that is 100/0 co insurance with a 10,000 deductible. States "Urgent Care $50 plus Coinsurance; Deductible Waived". I want to make sure I am understanding that correctly.

So if I go to urgent care I'm only going to pay $50? Because then it will do the 100/0 coinsurance so I will pay nothing after that $50? And then if its bad and I need them removed I'm obviously looking to pay out of pocket since the average price of $5k to remove tonsils will be toward the deducitble? But on the off chance its something crazy like tonsil cancer and I need chemo or something and I go past 10k then everything will be covered right?

What I'm hoping is best case scenario I go to urgent care for $50 and get antibiotics and it clears up and I can live my life until next years enrollment. This would be a good plan for that, yes? Or is there a better option?

submitted by /u/ksdjjeo87
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