Originally Posted by
jtf560
The coverage is good at NetJets, but there is a good reason for the flex spending accounts up to $3500 I believe. Orthodontics aren't covered. Most places that accept the VSP vision insurance charge way more for the frames and lenses than what is covered. $20 a pop to the chiropractor ads up pretty fast. A trip to the emergency room is $150 copay. A trip to urgent care is a $25 copay. Prescription medicine and dental both do have deductibles, though fairly small. Many presciptions also aren't anywhere near 100% covered. Our "free" healthcare could be way better.
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Everything you just typed makes it very obvious you have been covered by the NetJets plan for a long time and seriously have no clue what healthcare coverage looks like for most U.S citizens.
$20 copays add up? You really have no idea how good you have it.
A $150 ER visit is your complaint. Seriously? How much does that visit cost if you have a $6000 deductible and a $12,000 max out of pocket?
If that visit cost $40,000....and the plan paid 80 percent until max out of pocket was met....then goes to 100 percent.
$6,000 for your deductible and then another $6000 to hit your max out of pocket.
$12,150 is what that visit costs if you have the typical health care. Unless, you have the NetJets coverage... Then it is only $150 for the entire visit. But hey.... It could be better.
Disclaimer... I do understand there are serious problems with billing if a doctor/lab/imaging is out of network and you didn't know it