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Ok, maybe I'm missing something simple here but I'm having a hard time with OOP and the deductible.
Specifically, I'm looking at a Kaiser plan with $5k/yr OOP that excludes copays and the deductible of $2k/yr.
So, client goes to hospital and....?
coinsurance kicks in up to the deductible, right?
So wtf, how do I explain OOP?
Specifically, I'm looking at a Kaiser plan with $5k/yr OOP that excludes copays and the deductible of $2k/yr.
So, client goes to hospital and....?
coinsurance kicks in up to the deductible, right?
So wtf, how do I explain OOP?