Quote:
Originally Posted by cybermike
The hmo has a high deductable and 0 co insurance.. I dont like the idea of coinsurance.. after paying a high deductable do I really want to pay 20% of god knows what.. but its a hmo.. my current doctors are listed
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I have a PPO, not an HMO so I don't know if it works the same, but my 20% coinsurance (after deductible) is a capped amount - $2K I think - then they pay 100%. So in reality, you SHOULD know the most you'd have to fork out if there was a high bill at one point.