I'm currently on a "it's not health insurance, it's a cost sharing" plan, meaning that the program supposedly kicks in after I have spent X amount of my own personal money on medical expenses.
I have a very high "deductible" (I pay about $88/month, and my bills don't get covered until I've spent $10,000 in medical expenses). I'm in my mid 20s, don't go to the doctor much at all, rarely get sick/eat well/am in good physical health for my height and age. But I might consider going to the doctor a little more often (which will be important the older I get) if my costs were actually covered, as I hopefully won't need to get anywhere close to $10k in medical bills anytime soon absent some emergency.
I feel like there have to be other options out there for a similar monthly price point that offer more than "spend $10k and then maybe we'll help cover some of your costs." But I really don't know.
Related: are there any specific federal government plans that might fit this criteria? If I get a government job down the road that would be good to know about.
0 nhận xét:
Đăng nhận xét