I'm making 100% sure I understand what's going on here, basically.
So a plan that has a $7500 deductible and then says "after deductible, $35 copay for doctor visits" or another one that says "after deductible, no copay for doctor visits": That means I have to rack up $7500 in costs before my copay is $35 (or nothing), and until then, I pay the full doctor visit cost, right?
I ask primarily because I currently require visits every three months - about $150 each - so I can get refills on my meds - about $100 monthly. Which means I'm spending $600/yr on visits + $1200/yr on meds or $1800 in total.
Which, if I'm understanding correctly, means I will never ever ever reach my deductible, meaning insurance is useless for me - unless I have to go into the hospital or something like that. (As someone currently uninsured, I have about $175k between two visits this year, huzzah).
(So since I qualify for assistance, my best option is to pick a plan that's free for me and immediately pretty much forget it exists, except that if I do go back into the hospital, I'll be a few hundred dollars closer to the deductible AND instead of another $50k or so added to my debt, only ~$7000 plus copay whatever added to my debt).......
Do I have this correctly?
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