Originally Posted by
Kellwolf
Either your math is off or you need to call the insurance company and get some $$$ back. Deductible for a family is $2,600 with max co-insurance of $6,000. Nowhere near $13k. Unless your're counting your premiums in that, which is kind of skewing the stats. We're dealing with cancer over here under the green plan, and we're out about $4,000 after seed money/healthy rewards. We hit the max co-insurance for an individual last week. Luckily, I'm healthy right now. The main advantage of othe Green over the Blue plan is that you don't have to hit the Family deductible to make it into the co-insurance "bonus round."
I have been fighting with the insurance. I am on the green plan, over 12k out of pocket so far this year. Two of the doctors dont take insurance but they submit it on the back end of service then United decides what they will reimburst (which isnt close to what the doctor charged) and then say o well on the difference and dont count that towards out of pocket either. The numbers right now have us at 13,800 out of pocket before 100% coverage and Blue benefits confirmed that number. I like you had no idea going into this year how bad this insurance is and I have a healthy family. Yes that 13800 is before seed money, HSA or FSA funds. Almost all in network by the way besides the 2 Dr's mentioned above. Thank god my significant other works.