plan benefits

Apologies if this is not the right place, but I’m new to this and need help understanding my options here. Went and got an X-ray for some constant knee pain and my orthopedist referred me for an MRI on the area due to noticing significant subluxation of my patella. Cigna approved the X-ray, but...

Good evening everybody, So my company offers these two plans for dental coverage. I know I will need 1 crown and probably 2-3 fillings in the next year. Do yall think the high plan would be better for me here? If I understand correctly, I think I will make my money back in just the one crown...

My health insurance is so hard to understand I just need help interpreting it. So for out of network hospitals it would be $750 copay/admission and 20% coinsurance to deliver a baby. While in-network would be a $250 copay. I really want to give birth at a particular hospital, where my OB works...

I have health insurance for the first time in years & years. Before I never used it for anything other than Gyno related issues & an occasional urgent care visit for tonsillitis. Now I want to get the most out of my coverage & also better myself however I can. But I just realized I don’t quite...

Hi r/HealthInsurance! My name is Alex and I’m a healthcare campaign associate with the Public Interest Research Group (PIRG). We’re a non-partisan consumer-protection nonprofit that helped win protections against most surprise bills with the passage of the federal No Surprises Act.. I’ve read a...

Hello. I’m reaching out because I have a problem and I’m not sure how to go about it. In 2012 I had a Discectomy and everything has been good up until the last year and a half. The sciatic pain is back, and I can’t do the normal things I used to do in life, like even finishing a work day. I did...

Met deductible about two weeks ago

I have very good health insurance through a trade union, but am confused as to why I’m being charged a deductible for a routine physical. I had my annual physical, with lab work. A few years ago, I tested positive for Chlamydia. I took doxycycline and didn’t get retested until a few weeks ago...

E.g. let's say my PPO plan has a 5,000 in network OOP max and 8,000 out of network OOP. max The following out of pocket coinsurance costs occurs in this order 4,000 spent in network 4,000 spent out of network 4,000 spent out of network Is the out of network OOP max hit after #2 or #3? I...

Last year I had (what I thought was) a great idea to create some digital resources for people who wanted basic answers to some normal health coverage questions. This was born from having worked for a health insurance company and seeing some gaps that could be filled with publicly available...

I have Cigna and spent 2hrs on the phone with them AND called 9 different DR and NP offices. Can’t find anyone accepting new patients that isn’t requiring “concierge” fees. And no way to filter them out on the Cigna portal. Guess I’ll go to the emergency room for everything now. Update: finally...

I also posted this in r/personalfinance, but didn’t get many responses. It’s open enrollment at work, and I was just diagnosed w/ a chronic illness about 2 months ago. Approaching 40, good salary (approx 110K), not in the best position w/ retirement savings (@ 50K in 401Ks and 25K in a Roth) and...

Let's say I have a HMO policy I bought on the marketplace from South Carolina and I'm on a road trip across the country. While I'm in New Mexico, I go to the ER for an emergency (not in network) and I am admitted or even have surgery during the admission. EDIT: I believe I found the answer...

I’m going to be losing my dad’s health insurance in the next week or so. I’m not sure if I should be choosing the HSA plan or PPO through my employer. I’m a generally healthy 26 Y/O male. My main concern is that I have a generic adderall script that I take monthly. I also have to go in for a...

I got married 10/30/22 and joined my wife’s health insurance effective that day. The plan was called United Healthcare Choice Plus, and a major reason I wanted to get on her health insurance is because I have a rare neurological condition called Superior Canal Dehiscence Syndrome which...