This morning I woke up to discover what kind of complex Medical benefit package I have enrolled. This is something new for me & was never used to these kind of insurances in India. Yeah, of course while electing this package last december I didn't research much on those terminologies used by the benefits provider. I blindly boldly decided to go with this United Healthcare Enhanced PPO Plan without investing much time into it thinking that I am a very healthy person & would never visit a doctor and assumed that these insurances are real waste in my case. This theory proved me wrong. Health is one thing though appears to be in our hands, in reality its out of our control. Today I had a doctor's appointment and went to her clinic to get my annual check up done. When I placed my insurance card to the receptionist she was not sure how much co-pay she should charge me as there were no details on the card regarding the co-pay. Hence, she called the United Healthcare and explained me the plan which I hold from my company. She explained me that there is one time $200 deductible along with this there is 15% total cost per visit that will be charged to me and 85% is covered by the benefit plan. Alas, I was dumbstruck. Last 2 years, I used the benefit package of my husband's. I was paying just 15 to 20 dollars as co pay per visit and the rest 100% doctors fee was covered by the plan. Now, in the doctor's clinic I was standing confused whether to go with my annual check up or not :-/ which costs me $200 + 15% of the total expenses.
In fact, I came back home thinking my health is not so bad to spend $200 but it was just a routine check up. However, I learned a very good lesson from this. Just to save few dollars in co pay, I am ending up paying $200 towards deductible. Time will say whether I took a right decision in choosing my Benefit package. Also, I have made my mind to research more on the terminologies and be clear with whatever I am choosing in future. When it comes to money, its time to come out of procrastination and keep our eyes opened for all kind of smallest things.
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hope your health will be good always... and you wont come across a need to go for such insurance company which goes on fooling around people.. Actually it was a good lesson for you and even for us i guess... so somebody has correctly said.. "Learn from others mistake" :D
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