Struggling to pick a plan.
Hello! I was booted off of Medicaid (made $200 over the limit) so I’m searching for a healthcare plan on healthcare.gov. I am looking for something in the $100-$170 range a month, with little to no copays, and no large bills from hospital stays or doctors appointments if that’s possible. I’m having a hard time understanding the terms, and if it’s good or not. Below is a plan I was considering. It’s mclaren health plan community, the silver package. It would be $138 a month, and the deductible is $500. Does that mean I won’t have any copays after the $500? Does that mean I have to pay everything in full like $200 for a doctors appointment until I get to $500 and then they pay for everything? And what’s coinsurance? If my deductible is $500, do I have to continue to pay for things or a percentage of things until I get to $3000 which is the out of pocket maximum? I’m just confused as to why it’s no charge after deductible but the out of pocket maximum is higher. Is the deductible annual or per visit? Thank you guys for any help.
submitted by /u/Paddiecat
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