Quick question about employer sponsored health insurance.

Klyk21

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Recently signed up with a high deductible health insurance plan (through cigna) which was offered by my employer. I'm the only one covered and it's going to be 28 only bucks bi-weekly(includes dental, vision) but it has a deductible of 2k!! Looked at a few independent health coverages and they all were had equal or higher deductibles. I have back problems right now and I need my back checked out asap. Been having pain for the better half of a year now so I'm willing to pay the 2k but I'm wondering do I have to pay up front? I think it said that all office visit were covered at 100% so that means its free to get the diagnosis but if the procedure, medication or whatever exceeds 2000, then I have to pay right? Help me understand this a bit better breh's
 

acri1

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Recently signed up with a high deductible health insurance plan (through cigna) which was offered by my employer. I'm the only one covered and it's going to be 28 only bucks bi-weekly(includes dental, vision) but it has a deductible of 2k!! Looked at a few independent health coverages and they all were had equal or higher deductibles. I have back problems right now and I need my back checked out asap. Been having pain for the better half of a year now so I'm willing to pay the 2k but I'm wondering do I have to pay up front? I think it said that all office visit were covered at 100% so that means its free to get the diagnosis but if the procedure, medication or whatever exceeds 2000, then I have to pay right? Help me understand this a bit better breh's

The opposite, it means you pay the first $2000. A deductible is the amount you have to pay before your insurance starts to pay its portion of costs for a covered health expense. The deductible could be as low as a few hundred dollars or as high as several thousand dollars.

So if you have a $2000 deductible and your procedure (or whatever) costs less than $2000, you have to pay it yourself (not counting office visits). Anything past that will be covered by your insurance.

For example, if your shyt costs $700, you pay it. If it costs $2500, you pay $2000 and your insurance covers the other $500. If your shyt costs $10,000, you still only pay $2000 and your insurance covers the rest.

Usually you don't have to pay a deductible for prescriptions and office visits.

You can probably imagine that insurance with a lower deductible costs more. The reason your insurance was cheap was because the deductible was high.
 
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