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That's just for insurance. You still going to be paying 20% of the actual medical bill. You can easily run up a $100k bill in a week.
by MrFantastic 6y ago
That's just for insurance. You still going to be paying 20% of the actual medical bill. You can easily run up a $100k bill in a week.
- maxerickson 6y agoUnder the ACA, out of pocket maximums are ~$8000 or $16,000 (individual/family). That leaves care that doesn't get covered by insurance of course, but people aren't on the hook for 20% of the bill that insurance covers.
- mariojv 6y agoDon't out of pocket maximums only apply to in-network care most of the time? I think you're still on the hook for the full coinsurance amount if you're at a hospital and a doctor from out of your network happens to step in the room without telling you they're out of network.
- maxerickson 6y agoYeah. I'm certainly not trying to defend the US system, just trying to paint a clearer picture of how it works. Totally fair to always discuss the huge caveat of out of network providers getting involved without any opportunity to refuse their care alongside the out of pocket maximums for in-network services.