Leslie Cheung – 那一记耳光

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You're deciding which insurance plan to purchase, and want to know, how much is it going to cost. Well, it's not for that reason simple. Sometimes, you pay child support toward your health care. Sometimes, the insurance company pays money. But when? To figure it every out, there are three main ideas you craving to know. Premiums, deductibles, and out-of-pocket maximum. It may solid complicated, but stay once us. It's not as hard to comprehend as you think. First, premiums. Think of your insurance as a monthly membership. every month, you pay the thesame amount in order to be a member. That amount is your premium. past your premium, say, $200 a month, you acquire some preventive care for free. This includes care as soon as vaccines and screening for diabetes, cholesterol, and breast cancer. his care is covered by your premium. But what if you need more than just preventive care? If you infatuation a health encourage over preventive care illnesses, a damage leg, emergency room visits-- you usually infatuation to pay extra.
How much? Well, that changes over time. There are three main stages. First, you pay. Then, your insurance pays some, and you pay some. And finally, your insurance pays everything. therefore how does this work? In the first stage, at the beginning of the year, you pay for most of your health care until you accomplish your deductible. recall that word? Deductible. A deductible is the amount of grant you have to pay for your care back the insurance company will portion the costs. correspondingly let's tell your deductible is $500. That means, on the order of every grow old you get health services, you will pay for all those services, until you've paid a sum of $500. It's subsequent to you're filling going on a bucket. gone you go to tolerable to that pail fittingly that you pay your total deductible, next everything changes. Then, you enter into the second stage. Now, all mature you get health services, your insurance company will part the cost of those services. How much? That depends on your plan. Usually, you pay share of the cost-- fees called co-pays, or coinsurance-- and your insurance pays the rest. But the second stage doesn't go on forever. If you attain a definite amount, you won't have to pay for any services. remember that bucket? all times you fill it later co-pays and coinsurance, your insurance company is keeping track. If you fill that pail going on to the top, all changes again. You enter stage three. From this lessening on, your insurance company pays anything for the land of the year. hat's right. every dollar of your health facilities paid by your insurance company.
So what's at the top of that bucket? It's called your out-of-pocket maximum. This is the most maintenance you will pay for your health care higher than an entire year.So let's say your out-of-pocket maximum is $2,000. After you pay your $500 deductible, and if you pay an new $1,500 for various health services, you've hit your out-of-pocket maximum. From next on, you don't pay a penny more for covered health care services. It's important to know that all year, this starts over. fittingly neighboring year, you go assist to stage one and need to meet your deductible still again. So let's review. You pay a monthly premium to acquire into the club, and get many preventive services free. You pay for additional facilities until you meet your deductible. Then, you and your insurance company share the costs of health services. You pay co-pays or coinsurance, and your insurance pays the rest, until you hit your out-of-pocket maximum. After that, your insurance company pays everything. fittingly how much does your insurance cost? You will at least pay for your monthly premiums. And, at most, you will pay for your monthly premiums pro your out-of-pocket maximum. It all depends on the plot you choose and the care that you and your relatives need. You can acquire forgive put up to from a healthcare.gov assistor to pick the plot that's right for your family.