Thanks for the warnings somarco and LGilmore! I checked both issues.
The deductible DOES count toward the OOP max. So the OOP total including deductible is only $4000.
And Rx is covered and counts toward deductible/OOP max. After the $4000 OOP max is reached all Rx is covered at 100% ($0 copay).
This just seems "too good to be true." How can the insurance company charge less for this plan than for the PPO plan? Is is really just the fact that they don't pay anything at all for the first $4000 of claims that makes this possible?
Just noticed that the HSA does not cover maternity but the PPO does - does that explain it? (I don't need maternity coverge).
THanks.
The deductible DOES count toward the OOP max. So the OOP total including deductible is only $4000.
And Rx is covered and counts toward deductible/OOP max. After the $4000 OOP max is reached all Rx is covered at 100% ($0 copay).
This just seems "too good to be true." How can the insurance company charge less for this plan than for the PPO plan? Is is really just the fact that they don't pay anything at all for the first $4000 of claims that makes this possible?
Just noticed that the HSA does not cover maternity but the PPO does - does that explain it? (I don't need maternity coverge).
THanks.
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