S
Shot From Guns
Guest
I am really fucking sick of caps on medical coverage that is claimed to be 100% coverage. It is a LIE that it's 100% when they have such ridiculously low caps on care. Yes, I knew it was a lie. It was this or nothing. I'm tired of being screwed no matter what I do.
1.) First and foremost, sorry you're stuck as being an object lesson in how health care is fucking broken in America.
2.) Your plan covers 100% for certain services after you meet the deductible. They do not cover 100% on everything; almost no plans do. There is no percentage they could give you that would accurately describe how much of your future care will be covered, because they have no idea what you'll need or seek. So they say they cover 100% of the things that fall under the plan, and then give limits for other things. That's how insurance works. If you had an HMO that covered 100% in-network and less than that out-of-network, would you be complaining that it wasn't really 100% coverage if you went to an OON location for non-emergency treatment and didn't get 100% coverage?
3.) Out of curiosity, do you have a yearly out-of-pocket maximum? If you're not sure, it's probably worth looking into.