Depression Support Group

Depression is a real and debilitating condition that is often misunderstood by family and friends. Its meaning can range from a prolonged period of sadness to an actual mental illness with specific symptoms. Find and share experiences with others who are going through the same struggles.

24,601 Members

160,807 Posts

0 Online

mycroftt 10/11/2011

I am on a gov't sponsered pre-existing Insurance plan,,which is great ..there is some issues that I do not understand and will call tomorrow to straighten this out ,,I am under PCIP insurance which is administered thru the USDA (National Finance Center),,,this is the concern and problem and why I am getting a bit crazy at the moment over this,,,

I pay out of pocket $376 per month premium,,,high because of my age bracket ,,so far ,,ok,,,now,,what I am reading says that I have to meet a $2000 yearly deductable before ANY co-pays kick in,,,now ...this seems to mean ANY services rendered I have to meet that $2000 nut in that year..so I have to pay full rate plus the $376 per month for anything ???? can that be right ?????

When I was working and had employer based insurance ,,,my deductable had to due with hospitalization coverage,,,and not routine services which a standard co-pay would come into play,,,,my co-pay for would come off the top and that would be it,,,, Is this possible that I am interpreting this all wrong somehow,,,????

To me..this sounds insane ....

ThePepperMan 10/11/2011

My wife is a case manager for a hospital in our community. She says that many hospitals have financial counselors who are paid to UNDERSTAND insurance policies. You may be able to find one who can help you wade through the red tape and confusing language.

I like simple contracts that use basic vocabulary. I hate the complex ones that require a medical degree to understand.

deleted_user 10/11/2011

I would say call the insurance company and ask them. Usually, to my understanding of indemnity insurance, which it sound like you have, you do have to pay the deductible before the insurance kicks in. But I've had HMO insurance for so long now, I may be wrong. So talk to the insurance and see.

Best of luck to you,

Annie

Join the Conversation