Have to pay the first $500 for PPO and cannot change in the year?

Cisco
EulersIdty

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EulersIdty
Apr 29, 2020 4 Comments

I realize the Health insurance PPO plan in the company is like, you have to pay for the first $500 before anything is paid. So let's say if you see a doctor 2, 3 times in a year and the total bill is $450, well, then you pay it all.

And the thing is, you cannot change the plan to other plans for the whole year until Jan 1 next year, unless if there is anything "life changing" (marriage, having a child)... not even coronavirus situation can let you make a change.

I remember in the past, I was able to see a doctor for $20 co-pay... and I could change the health insurance as often as possible (for a reasonable amount, like once or twice in a year).

How is yours? Is $500 deductible and not able to change quite typical nowadays?

#insurance #health-insurance

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  • it’s been like that. you “realized”, did you not attend your benefits info meeting or read before selecting your insurance for the year?
    Apr 29, 2020 1
    • Cisco
      EulersIdty

      Go to company page Cisco

      EulersIdty
      OP
      can you not sound like you doubt everything you read online? I have no reason to lie or distort facts. I had insurance plans from big companies and then from small startups... and I didn't care too much in the past because I seldom go see a doctor. The last I remember... was it $40 copay or something like that... so that makes seeing a doctor once or twice affordable. Otherwise if you pay for 100%, then one time and it can be $120 to $180.
      Apr 30, 2020
  • depends on plan/company. Linkedin’s plan has 0$ deductible
    Apr 30, 2020 0
  • NIO
    yynM20

    Go to company page NIO

    yynM20
    Depends if you go see a doctor for preventive care it should be a copay of 10-40$ and all preventive care like exam and vaccines should be 100% pay by insurance. But for stuff like diagnostic and treatment yes you need to spend the deductible first but it's the same for high deductible plans
    Apr 29, 2020 0