
Originally Posted by
Catrin
Like everyone else, I am sure, we have much higher co-pays and deductibles than we once did and then there is something called "co-insurance" that is different from the deductible. I don't pretend to understand the difference but it is time to figure that out

What you should also check is your maximum out of pocket. Most insurance limits the amount that you will have to pay in a year for all medical costs other than premiums, including the deductible and your "co-insurance." For example, my deductible is $5000. Insurance covers in network 80% and I pay 20%. But, my maximum out of pocket is $7500 so no matter what I am not out more than that amount. (There is a higher maximum out of pocket if I go out of network, but most everything is in network for me).
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