Medical Insurance Enrollment questions

[Chief Roundup]

Originally Posted by Third Eye

I’m somewhat confused as to what you thought it was going to be. I mean, that’s how deductibles work. Not trying to be a dick, but that’s just the way it works. Sounds like you actually have a decent plan. I’m this day and age, a $1500 deductible is pretty low.

The Blue Cross Health Advantage, the insurance we had in 2019, had the same deductible but they paid 80% on the way to the deductible not only paid after that deductible.
I had an x-ray a few months ago I had to pay $59 as my portion of that and it is the first imaging that I had had done under that policy.
Now, with United Healthcare through UMR new to us in 2020, I have to pay out $1500 before they will start to pay the 80% on the way to the maximum out of pocket of $5000.