I am a 25 year old man who spent his 18-now in the military with tricare. I now have a job where I have to enroll in healthcare. What do I look for in a plan? What is a deductible? If I have a co-pay, do I still have to pay up to $8000 just to GET to my co-pay? Why did no one explain this to me?
In: 4
I’ll take the easiest 1 first:
> If I have a co-pay, do I still have to pay up to $8000 just to GET to my co-pay?
no.
you haven’t provided enough info on whatever plan(s) you’re looking at to state unequivocally, but that $8k amount sounds like the maximum amount you might pay out of your own pocket in a year before the plan pays all of your covered medical treatment charges over that amount. It feels likely that if for example you were to visit your doctor for a routine physical, you’d pay some kind of copay – $20, let’s say – without having to satisfy any *deductible* amount, or perhaps after paying for covered charges that total to as much or more than that deductible. All of that information should be available to you at a website displayed on your ID card, or in email you’ve received about your coverage, etc.
>Why did no one explain this to me?
one or more representatives of your employer seems to have let you down.
Have you asked your supervisor who in your company is responsible for fielding questions about HR/benefitssubjects? If not, why not?
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