So, I got a job in the US, and my employer offers health insurance, I don't know anything about this, because France. Please help me out.
I have two options:
A: $128/bi-weekly deduction- $2000 deductible
B: $158/bi weekly deduction- $500 deductible
On top of that I can add dental+vision for $13 bi-weekly deduction- $50 deductible for dental.
The way is see it is I'm getting raped because I'm 25 and healty, basically never go to the doctor. So there's a solid 99% chance I will pay 3-4k a year and never need it, but you never know!
- If I understand correctly: if I have a small emergency like a few stitches or whatever, deductible+copay will still be higher than the likely cost, so I'll have to pay 100%, right?
- The only scenario in which I will be glad I took an insurance is for something serious, if I need surgery following a nasty car accident or something, right?
- Does it seem like a good deal compared to your average U.S health insurance?
- I'm leaning toward option A because there's a 99% chance I won't need it, and if I do need it, the $1500 difference in deductible is going to be the least of my concerns, since it would likely mean I'm in bad shape. Also it makes me save $900 a year, so I'll quickly make up for that deductible difference. Am I right in my reasoning?
Pretty scary stuff to be honest, even paying 4k a year on insurance, you get shitty coverage.
Thanks, here are some tits for your trouble: