How to read the benefits table
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I am not a regular on this site, so I apologize if I have the wrong format, but I am having trouble understanding some of the health insurance benefits and costs tables that I am seeing in my search for cheaper insurance. My question involves the boxes that mention a percentage after deductible,such as "100% after deductible" or "80% after deductible". Does this mean that I would be responsible for paying the percentage (100% or 80%) after deductible or does that show how much the insurance pays (so I would be paying 0% and 20% respectively)? I am asking because there are other cells in the table that say "Covered 100%"so the lack of the word 'covered' in the ones that mention a deductible has me a little worried.
This question has a mention of coinsurance, which the table I am looking at does not. I am also unfamiliar with the legal implications of posting a screen shot of the table, even though it is publicly available, so if it is legal and it would help you guys to see it please let me know in the comments so I can upload it. Thanks.
As per the comments, here is the link to the pdf. The table I am looking at is on page 8-9 (5 on the pdf).
united-states health-insurance
asked Aug 27 at 13:28
Daishozen
1636
add a comment |Â
up vote
12
down vote
favorite
I am not a regular on this site, so I apologize if I have the wrong format, but I am having trouble understanding some of the health insurance benefits and costs tables that I am seeing in my search for cheaper insurance. My question involves the boxes that mention a percentage after deductible,such as "100% after deductible" or "80% after deductible". Does this mean that I would be responsible for paying the percentage (100% or 80%) after deductible or does that show how much the insurance pays (so I would be paying 0% and 20% respectively)? I am asking because there are other cells in the table that say "Covered 100%"so the lack of the word 'covered' in the ones that mention a deductible has me a little worried.
This question has a mention of coinsurance, which the table I am looking at does not. I am also unfamiliar with the legal implications of posting a screen shot of the table, even though it is publicly available, so if it is legal and it would help you guys to see it please let me know in the comments so I can upload it. Thanks.
As per the comments, here is the link to the pdf. The table I am looking at is on page 8-9 (5 on the pdf).
united-states health-insurance
asked Aug 27 at 13:28
Daishozen
1636
1
If the information is publicly available, there should be no issue with you linking to it. Also, I'm pretty sure it means x% covered by insurance, after you meet your deductible, i.e. you'd be responsible for 0%/20%.
– 0xFEE1DEAD
Aug 27 at 13:41
2
For what it's worth, after working professionally with benefits for over 10 years, benefits information is still the hardest to comprehend, especially health insurance.
– Brandon
Aug 27 at 17:45
@Brandon Thanks, I work in computers, so this is all foreign to me, glad to know it is not just me who has issues with it. They should work to make it clearer.
– Daishozen
Aug 27 at 22:59
add a comment |Â
up vote
12
down vote
favorite
up vote
12
down vote
favorite
I am not a regular on this site, so I apologize if I have the wrong format, but I am having trouble understanding some of the health insurance benefits and costs tables that I am seeing in my search for cheaper insurance. My question involves the boxes that mention a percentage after deductible,such as "100% after deductible" or "80% after deductible". Does this mean that I would be responsible for paying the percentage (100% or 80%) after deductible or does that show how much the insurance pays (so I would be paying 0% and 20% respectively)? I am asking because there are other cells in the table that say "Covered 100%"so the lack of the word 'covered' in the ones that mention a deductible has me a little worried.
This question has a mention of coinsurance, which the table I am looking at does not. I am also unfamiliar with the legal implications of posting a screen shot of the table, even though it is publicly available, so if it is legal and it would help you guys to see it please let me know in the comments so I can upload it. Thanks.
As per the comments, here is the link to the pdf. The table I am looking at is on page 8-9 (5 on the pdf).
united-states health-insurance
asked Aug 27 at 13:28
Daishozen
1636
I am not a regular on this site, so I apologize if I have the wrong format, but I am having trouble understanding some of the health insurance benefits and costs tables that I am seeing in my search for cheaper insurance. My question involves the boxes that mention a percentage after deductible,such as "100% after deductible" or "80% after deductible". Does this mean that I would be responsible for paying the percentage (100% or 80%) after deductible or does that show how much the insurance pays (so I would be paying 0% and 20% respectively)? I am asking because there are other cells in the table that say "Covered 100%"so the lack of the word 'covered' in the ones that mention a deductible has me a little worried.
This question has a mention of coinsurance, which the table I am looking at does not. I am also unfamiliar with the legal implications of posting a screen shot of the table, even though it is publicly available, so if it is legal and it would help you guys to see it please let me know in the comments so I can upload it. Thanks.
As per the comments, here is the link to the pdf. The table I am looking at is on page 8-9 (5 on the pdf).
united-states health-insurance
asked Aug 27 at 13:28
Daishozen
1636
edited Aug 27 at 13:43
asked Aug 27 at 13:28
Daishozen
1636
asked Aug 27 at 13:28
Daishozen
1636
asked Aug 27 at 13:28
Daishozen
1636
1636
1
If the information is publicly available, there should be no issue with you linking to it. Also, I'm pretty sure it means x% covered by insurance, after you meet your deductible, i.e. you'd be responsible for 0%/20%.
– 0xFEE1DEAD
Aug 27 at 13:41
2
For what it's worth, after working professionally with benefits for over 10 years, benefits information is still the hardest to comprehend, especially health insurance.
– Brandon
Aug 27 at 17:45
@Brandon Thanks, I work in computers, so this is all foreign to me, glad to know it is not just me who has issues with it. They should work to make it clearer.
– Daishozen
Aug 27 at 22:59
add a comment |Â
1
If the information is publicly available, there should be no issue with you linking to it. Also, I'm pretty sure it means x% covered by insurance, after you meet your deductible, i.e. you'd be responsible for 0%/20%.
– 0xFEE1DEAD
Aug 27 at 13:41
2
For what it's worth, after working professionally with benefits for over 10 years, benefits information is still the hardest to comprehend, especially health insurance.
– Brandon
Aug 27 at 17:45
@Brandon Thanks, I work in computers, so this is all foreign to me, glad to know it is not just me who has issues with it. They should work to make it clearer.
– Daishozen
Aug 27 at 22:59
1
1
If the information is publicly available, there should be no issue with you linking to it. Also, I'm pretty sure it means x% covered by insurance, after you meet your deductible, i.e. you'd be responsible for 0%/20%.
– 0xFEE1DEAD
Aug 27 at 13:41
If the information is publicly available, there should be no issue with you linking to it. Also, I'm pretty sure it means x% covered by insurance, after you meet your deductible, i.e. you'd be responsible for 0%/20%.
– 0xFEE1DEAD
Aug 27 at 13:41
2
2
For what it's worth, after working professionally with benefits for over 10 years, benefits information is still the hardest to comprehend, especially health insurance.
– Brandon
Aug 27 at 17:45
For what it's worth, after working professionally with benefits for over 10 years, benefits information is still the hardest to comprehend, especially health insurance.
– Brandon
Aug 27 at 17:45
@Brandon Thanks, I work in computers, so this is all foreign to me, glad to know it is not just me who has issues with it. They should work to make it clearer.
– Daishozen
Aug 27 at 22:59
@Brandon Thanks, I work in computers, so this is all foreign to me, glad to know it is not just me who has issues with it. They should work to make it clearer.
– Daishozen
Aug 27 at 22:59
add a comment |Â
1 Answer
1
active
oldest
votes
up vote
15
down vote
accepted
"100% after deductible" means that you pay nothing once you have met your deductible.
"80% after deductible" means that you pay 20% once you have met your deductible.
"Covered 100%" means that you pay nothing for these services at any time.
answered Aug 27 at 14:44
Bob Baerker
9,48811237
1
Thanks, I was a little worried that since there are no labels, and the copays are just listed, that everything mentioned was what I would have to pay.
– Daishozen
Aug 27 at 14:47
add a comment |Â
1 Answer
1
active
oldest
votes
1 Answer
1
active
oldest
votes
active
oldest
votes
active
oldest
votes
up vote
15
down vote
accepted
"100% after deductible" means that you pay nothing once you have met your deductible.
"80% after deductible" means that you pay 20% once you have met your deductible.
"Covered 100%" means that you pay nothing for these services at any time.
answered Aug 27 at 14:44
Bob Baerker
9,48811237
1
Thanks, I was a little worried that since there are no labels, and the copays are just listed, that everything mentioned was what I would have to pay.
– Daishozen
Aug 27 at 14:47
add a comment |Â
up vote
15
down vote
accepted
"100% after deductible" means that you pay nothing once you have met your deductible.
"80% after deductible" means that you pay 20% once you have met your deductible.
"Covered 100%" means that you pay nothing for these services at any time.
answered Aug 27 at 14:44
Bob Baerker
9,48811237
1
Thanks, I was a little worried that since there are no labels, and the copays are just listed, that everything mentioned was what I would have to pay.
– Daishozen
Aug 27 at 14:47
add a comment |Â
up vote
15
down vote
accepted
up vote
15
down vote
accepted
"100% after deductible" means that you pay nothing once you have met your deductible.
"80% after deductible" means that you pay 20% once you have met your deductible.
"Covered 100%" means that you pay nothing for these services at any time.
answered Aug 27 at 14:44
Bob Baerker
9,48811237
"100% after deductible" means that you pay nothing once you have met your deductible.
"80% after deductible" means that you pay 20% once you have met your deductible.
"Covered 100%" means that you pay nothing for these services at any time.
answered Aug 27 at 14:44
Bob Baerker
9,48811237
answered Aug 27 at 14:44
Bob Baerker
9,48811237
answered Aug 27 at 14:44
Bob Baerker
9,48811237
answered Aug 27 at 14:44
Bob Baerker
9,48811237
9,48811237
1
Thanks, I was a little worried that since there are no labels, and the copays are just listed, that everything mentioned was what I would have to pay.
– Daishozen
Aug 27 at 14:47
add a comment |Â
1
Thanks, I was a little worried that since there are no labels, and the copays are just listed, that everything mentioned was what I would have to pay.
– Daishozen
Aug 27 at 14:47
1
1
Thanks, I was a little worried that since there are no labels, and the copays are just listed, that everything mentioned was what I would have to pay.
– Daishozen
Aug 27 at 14:47
Thanks, I was a little worried that since there are no labels, and the copays are just listed, that everything mentioned was what I would have to pay.
– Daishozen
Aug 27 at 14:47
add a comment |Â
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1
If the information is publicly available, there should be no issue with you linking to it. Also, I'm pretty sure it means x% covered by insurance, after you meet your deductible, i.e. you'd be responsible for 0%/20%.
– 0xFEE1DEAD
Aug 27 at 13:41
2
For what it's worth, after working professionally with benefits for over 10 years, benefits information is still the hardest to comprehend, especially health insurance.
– Brandon
Aug 27 at 17:45
@Brandon Thanks, I work in computers, so this is all foreign to me, glad to know it is not just me who has issues with it. They should work to make it clearer.
– Daishozen
Aug 27 at 22:59