Finally, A Simple Break Down Of How California Health Plans Work.
Understanding California Health Plans
This may be the best explanation you ever get in order to understand the many options available to you for California health insurance. This is just a simplified view of the plans so make sure to look at the details of any prospective plan. At the end of the article, we will discuss the various plans that differ from this simplification but this break-down will help with 80% of the plans on the market. Now…
California health insurance plans break down into three main categories.
1. Office consultation. With most health insurance plans, you will have a copay or co-insurance to pay for office consultations. The copay or co-insurance are typically not subject to the main deductible of the plan. A copay is a fixed amount such as $30 for an office visit. Co-insurance is a fixed percentage such as 30% for an office visit. An example of co-insurance would be:
Office Visit: $100 charge
Negotiated rate: $ 60 charge
Co-insurance: 30%
In this case, the subscriber would pay 30% of the negotiated rate of $60 for a total of $18....
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