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?
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You have to read through the insurance, but in general a co-pay is for doctor visits. It is separate from the deductible. The deductible is for any actual service you need. So if you break your leg, you pay 8k then insurance pays after that, whatever the percentage is. Insurance is complicated in the USA, which is awesome for the insurance companies, not so much for the average person though.
Look for the plan that you think is going to cover what you think you will need. It is a guessing game though.
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