To clarify, “full price” means after the internet-negotiated discount is applied.
So the specifics vary from one state to another.
And “covered” just means that your health plan’s benefits apply.
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Some health plans are creative with how they design their coverage.
You’ve got a $3,000 deductible and a $4,000 out-of-pocket maximum.
And the specialist’s web link-negotiated rate with your health insurance company is $165.
You’d still have ended up with the same $4,000 in out-of-pocket costsafterthe hospital stay.
Don’t panic when you find out that services aren’t subject to the deductible.
The Commonwealth Fund.How deductible exclusions in marketplace plans improve access to many health care services.
HealthCare.gov.Pay less even before you meet your deductible.
Medicare.gov.Copayment/coinsurance in drug plans.
Centers for Medicare and Medicaid Services.
Center for Consumer Information and Insurance Oversight.Information on Essential Health Benefits (EHB) Benchmark Plans.
November 15, 2023.
HealthCare.gov.Your total costs for health care: premium, deductible & out-of-pocket costs.
