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does the MAX OOP include the premium? it does say that it includes the deductible.I have bi-monthy HPHP for 42. that's 1750 deductible max oop is 3000.and I get a 600 has. my ppo option is 30 dollar copay with 600 deductible and almost 200 a month.

I have Aetna and got vision they take $2.47 out of every check. That’s $59.04 a year. And my deductible is $1,500. Let’s say I go for a checkup and it comes to $40. Does Aetna pay that $40 or do I have to pay $40 until I reach $1,500. It’s all so so confusing.

Great video bro.

U never really explained the out of pocket max

complicated stuff

oh no youre not licensed in Ca lol ..

Omg thank god you've got the best explanation ❤❤❤

Obama care (ACA) Jacked up the health insurance industry, so expensive to have insurance now. The Obama presidency was the push that sent American on its downward slide, now Biden and Kamala are finishing the country off with his guidance.

Shouldnt need heath insurance. Healthcare should be free. Imagine losing your job and then getting cancer and then not being able to pay to stay alive. Looking at stuff like that shows me that we have a while to go before we have a true civilization.

Trying to become a agent before AEP

SYNAPSES ARE HAPPENING

What is the justification to shorten these plans to 3 months? More long-term options seem better to me?

When I couldn't afford to pay for my employer's plan or the laughable ACA plan, the short term plans were our only security in case of a catastrophic medical occurence like cancer or heart attack. These greedy bastards just can't stand the thought of someone not letting them confiscate their money for little or nothing in return. They're going to give an account of their lives one day.

I can’t believe they are restricting these reasonably cost plans. Awful. The healthcare industry is such a scam.

Thanks!

My short-term plan expires in June 2025. Can I apply for coverage on healthcare.gov when it expires?

I just switched jobs but in my new job benefits won’t kick in after 6 months !! What is my best option ? Me, spouse and 1 child.(California)

Thank you for this video!

My guess is they will develop a test to see if you eat a lot fast food and restaurant food

I like to choose the lowest cost hdhp which has the highest deductible option that my company offers. I then use the premium savings to max out my HSA which covers the max OOP amount if I do hit it that year. If not, then just rolls over to next year.

I’m still confused

buy a $125 mic. the audio is horrible

As per website patient's deductible is $1200 and he met $400, his Out Of Pocket is $5000 and met $2500, patient is covered at 65% & co-pay is $200?. Select the right order. a. Deductible = $600, OOP = $2500, Co-ins = 25% & Co-pay = $200 Select one: b. Deductible = $800, OOP = $2500, Co-ins = 25% & Co-pay = $200 c. Deductible = $800, OOP = $2000, Co-ins = 35% & Co-pay = $200 d. Deductible = $800, OOP = $2500, Co-ins = 35% & Co-pay = $200

Live in fl, going to need health insurance for 18 months till I can get Medicare, was on my spouse insurance but he turns 65 next month and will retire. So stressful knowing the right plan.

Please share how secondary insurance work

In consultation case if the plan say 50 deductible and 30% co insurance what does that mean Thanks in advance

Funny how Republicans only worry about "printing money" when they are not in power. Every Republican President has increased the deficit during their term. Look it up.

What a brilliant video. Great advice, simple and practical. I like your video presentation. It is informative too, at the same time. Thanks a lot for your guidance!

Can you get a HDHP (with HSA) in a Short Term Health Insurance PPO plan in Florida? What are the options? (Age 59, single snow-bird)

what is a customary charge?

So if not all members met the individual but the family deductible is met does that mean coinsurance kicks in for everyone? Or just those who met individual and family is met?

any tips on HSA plans for self employed? I see very limited options on ACA

you put your phone number on youtube!? BOLD MOVE

I am a bit confused on when payments start to go toward the OOP Max. I have a few hundred toward deductible but a slightly higher amount toward the OOP Max (based on my portal). I thought payments don’t go toward OOP until after the deductible is met? 😊 so it’s deductible+oop that would be the total? We are having our first baby so wanted to investigate, your video is very helpful. My OB started to collect payments last year, with a total of my deductible. So that once I have baby, my payments are instantly applied to meet this years deductible. Not sure if that’s common but it’s seems helpful. 😊

Good video

Explained like a boss, thank you 🙏

I am someone that works healthcare that deals with insurance. I believe that this all depends upon your situation what you can afford to pay out of pocket. There are a lot of people that are signing up for these plans that do get a sticker shocker when they go to the doctors, pay for medication, or see a therapist. People do need to realize that they are responsible to pay the full contracted rate that the doctor or therapist has with the insurance company. Basically, the individually does not have any coverage until they meet the deductible. Therapy can cost a person $120 a week with a high deductible plan. A lot of people cannot afford to pay $120 a week for therapy. Additionally some people might take medication that is very expensive like $400 for a 30 supply. That is not affordable for a lot people. I have seen a lot of people forgo medical care because they have a high deductible plan and they cannot afford to pay out of pocket until their deductible is met. I believe that having a high deductible plan is a bad idea for someone that has regular medical expenses especially if they cannot afford to pay out of pocket until they meet the deductible. I feel that the people that these plans to benefit are those that never go to the doctors or those that can afford to pay out of pocket until their deductible is met. I also believe that this plans benefit self-employed people because of the tax deductions.

I'm on an individual Kaiser plan paying $738 a month. I have been to the doctor 2 times on telehealth. I don't want to pay this. I want a $10,000 max plan or a high deductible plan with Kaiser. They seemed confused by this.

People's health is not a business or Oil

Every other developed nation has a universal healcare system. Insurance is clearly a scam, but at least you can learn how to get screwed a little less.

Joe, can you help me find a health insurance plan for my family?

Is carelink better then Obama care? I am someone who doesn't want to pay alot

What does non-network deductible $0 of $750 mean??

which country are you based in

What an amazing video. Thank you

Would a high deductible health insurance plan cover preventative care?

Detail explanation ❤️

What if you’re off by a couple of thousands at the end of the year

What do you mean by add supplements

Holy Cow! This helped so much. Some people are just great teachers and you are one of them. Thank you.