I have read countless articles on coinsurance and am still confused, especially since there is not much on 0% but rather 80/20.
I have the option for a more expensive Covered CA plan with $60.00 copay or the cheaper 0% coinsurance which sounds better but I must be missing something since its cheaper. Both are Kaiser HMOs. I only go to the doctor for physicals (if that) and am due for a colonoscopy. Other than that I never have a reason to go and don't have any prescriptions.
For the plan with the deducible for doctor visits it says $60.00 copay after deductible and for hospital visits it says 40% coinsurance after deductible. Either way, do I need to pay the full deductible before insurance even kicks in? I'm pretty sure routine physicals etc. would be fully covered.
For the cheaper plan (Bronze 60 HDHP HMO) it actually has a $700 lower deductible but for all services it says 0% coinsurance after deductible. Once again, do I need to pay the full deductible before insurance even kicks in?
I would think the plan with the copay (Bronze 60 HMO) might cover more but I guess the question is how does each one work for having to pay the full deductible before they pay anything and why is the one with no deductible cheaper?
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