Trying to understand this…
Im 36 years old, recently divorced and financially struggling. I had to relocate and my employer does not offer medical insurance and about a year ago I had to stop taking meds and receiving treatment for a spine injury. The injury is getting a lot worse and really messing up my ability to work, and honestly I’m in pretty bad need of another spine surgery. Even working full time I’m barely surviving/paying my bills.
I’m on the healthcare.gov website and looking at the plans.
For example: The plan “Blue POS 90/60 0014-05”…I understand it pays 90% in network once you’ve met the deductible. My question and concern is what would I be paying just to get in the door for a visit before any deductible is met? I know this can vary but if a dr office wanted $150 just to have an appointment before deductible is met then having the insurance is useless because I just don’t have that kind of money right now.
When I had insurance before, I only ever payed $40-$50 for a visit. Would I just have to call each doctors office and ask what a visit cost and pay 100% of that? I feel like this is the answer but I don’t know for a fact.
