> The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits.
How do I figure out if I need something like this and how well my current insurance covers me?
I'm trying to find a case study but nothing turns up. A story - someone got a major injury, cancer, or other life-threatening hard/impossible-to-cure condition, and how exactly the events had unfolded financially. I.e. how many tens of millions the treatments were worth, how much insurance had covered, and how much was still left to pay and why. So maybe I could see what my insurance covers and see if I need another insurance to fill some obvious gaps.
All that my naive search attempts produce are mentions about people without coverage or with insufficient cheap coverage, which is a problem but a different one from what I'm trying to research. Oh, yes, and lots of mentions of out-of-network ambulance drives' crazy costs - I get this one.
Having two different forms of medical insurance can be worse than one. I’ve not had such an experience, but I’ve heard horror stories of the two providers pointing fingers at each other and refusing to pay.
My spouse is on a very expensive treatment. For the first 5 years or so, the insurance company would call us every six months to ask if we had other insurance because they do not like paying for it. I think they’ve finally stopped asking. Next, they started harassing our doctors telling them to switch her Rx over to their (fucked up) internal pharmacy. Luckily the doctor knew they couldn’t be forced to do it and called us about it. We had to call the insurance company and tell them we aren’t changing pharmacies and to stop calling us or our doctors about it. They continued to call for a few months but have apparently relented.
