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What the Healthcare - Deductibles, Coinsurance, and Max out of Pocket

Healthcare Made Simple 113 views

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So insurance is a scam that what I’m hearing?
Comment from : @OldideasRepackage

So what happens when out of pocket is met?
Comment from : @martinvargas1346

I feel like I should call Joe I’m feeling some type of way 🫦
Comment from : @zemogener0

A good explanation! Thank you :)
Comment from : @CarolynLDean

I bet you think this is a "good plan" 👎👎👎 American health plans need to change, and they need to change NOW! Health insurance companies brag about record breaking profits from continuing to do everything they can to cover as little as possible by using a comitte of non medically trained people to "review" something a licensed doctor deemed medically necessary and reject it in the name of profit margins 👎👎👎
Comment from : @erinin8433

One of the oldest videos on YouTube about Health Insurance but it makes the most sense! Thanks dude!
Comment from : @Sp4wnK3lla

You explained this very well Thank you
Comment from : @seanhorton925

Anyone try calling the number in 2024?
Comment from : @rudrapatel3950

I was looking for an Arabic video to learn about medical insurance (because this is my primary language), but your video explains it very well Thank you
Comment from : @nadakhalid3504

Thank you for this!
Comment from : @turtlemun

I have Aetna and got vision they take $247 out of every check That’s $5904 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
Comment from : @lTheRealKJl

U never really explained the out of pocket max
Comment from : @sirlytes1997

Omg thank god you've got the best explanation ❤❤❤
Comment from : @maryjoyariata8145

what is a customary charge?
Comment from : @myraloullusala4477

you put your phone number on youtube!? BOLD MOVE
Comment from : @jasonstephenson9959

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
Comment from : @nextgen7105

Joe, can you help me find a health insurance plan for my family?
Comment from : @kendrahughes8622

What an amazing video Thank you
Comment from : @josuegomez3352

Holy Cow! This helped so much Some people are just great teachers and you are one of them Thank you
Comment from : @fantomlimb5008

Helped me going into 2024 Nice video man
Comment from : @ResortUSF

Stop swaying back and forth, you're getting me motion sick
Comment from : @mirekhudak804

How does one calculate the write off amount from a deductible or coinsurance? Is it the right question?
Comment from : @beautybrainsbrawn

so your co insurance payments go toward your max out of pocket? and are they paid upfront at time of services?
Comment from : @AllysonGolden-g7c

Just got into the business, this was a great breakdown! Tks!!
Comment from : @hugofrutos9692

It is a scam
Comment from : @irenegriego2446

Thank you for this video !! Out of pocket is 🔑 I was looking at the a deductible of $1000 vs $2000 although the 2000 was 1k higher but it came with less oop & 10 less co insurance
Comment from : @Jrswazy585

How is it possible to meet out of pocket max but not deductible? I've met my max but still owe $7669 deductible Now for a procedure I'm told I have to pay the $7669
Comment from : @BradBrock-r6j

not related comment but im really into an insurance but how you perauade is how i see myself😇
Comment from : @calmingselfremedies8066

What if your first medical bill is higher than your Max OOP Do you just pay your OOP and the insurance covers the rest? I have a major 3 part mri this month and money is tight
Comment from : @mikerodriguez6761

Thanks a lot Keep it up
Comment from : @mm971

Hi, if anyone is watching this video pls help me What happens if the med bill is less than mi deductible?
Comment from : @javierstambullian6843

This is great
Comment from : @rexyz5875

Had a surgery and couple visits which I already met my $6000 maximum out of pocket withbrbrEnded up having another 3 say stay at the hospital for $50,000 due to complicationsbrbrI shouldn't have to pay any of this due to reaching my max oop?
Comment from : @rbraga92

You didn't mention NY, New york in your states Does it mean you won't be able to help the client from ny, i would to like to contact you if you do THANKS
Comment from : @awi363786

Thank you so much!!!!! 🥳🤎
Comment from : @danique1254

Thank you
Comment from : @vanderson5226

Over the past 5 years between my company and myself paid close to 20k in premiums to insurance company barely used 2 k worth of it the company paid probably 350 dollars of my claims the last 4 yrs
Comment from : @Gibson-md9yi

Good joe
Comment from : @snigdhamithun2119

Do health insurances give you the option to pay those out of pocket expenses over time or do you have to pay them up front?
Comment from : @pikachuuprising637

How is the deductible determined? Is it calculated depending on you total bill cost, or is a pre-set fixed number that you pay regardless of your total bill cost? So, in this example was the deductible calculated to 3,000 in light of the 20,000 bill, or is the 3,000 deductible a set number that doesn't change regardless of the bill?
Comment from : @RoyRahebKhelo

At the time of training i really needed this knowledge to handle Florida blue patients information that is first priority to keep it safe and to get self explanatory for the sake of knowledge from your video itselfAnd thanks sir for this nice video and basically I'm from India 🇮🇳♥️🇺🇲🤝
Comment from : @pankajnaidu8967

shabbirhealthblogspotcom/2022/08/getting-to-grips-with-hormone-healthhtml
Comment from : @shabbirnasir

Crazy,, its actually cheaper to have no insurance,,, there are places that offer great discounts if you are paying cash well, here in NY that is
Comment from : @mrt8123

How would this work if you are using someone out of network and you have a PPO that allows you to see other doctors that are out of network?
Comment from : @lcamp626

Thank you this video was helpful you explained everything perfect Simple and informative
Comment from : @rudeman9514

Joe ! Please give their definition as well and speak slowly Actually in an interview, the interviewers ask the definition of Deductible, Copay, coinsurance, out of pocket, plan maximum, Medicare, medicaid etc Sometimes they put questions for pointer, modifiers, units, grand father plan Health plan data base Please explain them one by one for your viewers
Comment from : @user-ux3tz1te9x

Is a $200 deductable, 80 Coinsurance, and $1,000 out of pocket maximum ok insurance?
Comment from : @Michael-jo9jz

I have had 2 "in-network" procedures with thousands out of pocket and my summary does not count any of it toward my deductible or max I'm looking at a 3rd surgery in a few months I have tried to get answers as to why I still lack almost the entire amount and get the runaround Is there a reason they wouldn't count health-related, in-network surgeries when my coverage says it should?
Comment from : @scarletteorchid

Perfect explanation Joe 🙏
Comment from : @mercyloicy

Thank you! I'm a mental health therapist and have just opened a practice Learning through brute force about insurance is painful, but you helped me understand a lot
Comment from : @josephwhittington3873

VERY helpful Maybe you should be the head of the health care market place because they can explain ANYTHING I think dental is the same but, quick video may be helpful if its different Again, thank you
Comment from : @sdowning533

Thank you for example and breakdown I get it now !
Comment from : @zunigaca

If oop is met and plan still shows ded remaining, should we consider 100percent coverage and ignore the ded ?
Comment from : @natashaharvey9929

Thought I'd also add this was a great explanation Thank you! I will be sharing
Comment from : @kathynunez2318

Great breakdown Joe! More plans should be explaining it in these terms Also, I think employers should explain their plan comparisons this way - BRAVO!
Comment from : @davidallyn1818

Great video! Thanks for sharing
Comment from : @christiemcpeters3604

Strange system and too expensive
Comment from : @كاشفالمنافقين-ف1ظ

Hi, thanks for the video I have a question So using this situation, if the person has another 10k bill, he only needs to pay the remaining 16k OOP? And the rest will be covered by insurance? Thanks
Comment from : @kimle6383

Glad I came across this video! I recently ruptured my eardrum with just a week before losing my insurance currently doing some shopping for new coverage and having you explain the different terms that I didn’t understand! I feel a lot more comfortable and what to choose! Thanks so much’
Comment from : @jazminealonzo2172

A major medical maximum of 500 000 means?
Comment from : @bryanspicer90

Exactly what I was searching
Comment from : @panky1234

Thanks for making this simple
Comment from : @millicentowens3435

Thank you so much I am studying for my insurance license and this really help me to understand coinsurance
Comment from : @michellecrockett4627

Just amputate the arm Health insurance stresses me out I'd rather die But that's probably my ptsd talking
Comment from : @Americana-ec

Thanks for your video
Comment from : @sergiourias4788

How does it work if the Deductible is higher than the Out of pocket? So 5k deductible but 2500 out of pocket? That would suggest you cant pay above 2500?
Comment from : @acorntree404

So once you hit max OOP everything going forward is covered?
Comment from : @MrUben564

Thanks from india
Comment from : @irfanullahussaini9080

so if you crack ur arm before ur deductible is paid and pay the rest of it after you’re injured do u still get 20-80 or whatever off??
Comment from : @timburge9166

use a lav or boom microphone please
Comment from : @travisvodden6845

I speak Spanish and EXCELLENT thanks Joe
Comment from : @jorgecajas832

Very cute
Comment from : @jhamdan2012

I wonder if you still take calls, I just tried
Comment from : @leepinnguin9682

Great video, thank you so much!!
Comment from : @karyndonyell5973

very clear explanationbrthanks
Comment from : @mornepetersen7003

Why I feel like from one end u look like Chris Evans
Comment from : @deepikar5862

I don't know nothing before seeing this video but i got some idea after seeing the video such as co-insurance deductable out of pocket expenses brThanq so much bro 👍
Comment from : @Madhav2512

Best explanation i've seen of this Thank you
Comment from : @humbleprogress1226

Tamil
Comment from : @marichamyr5500

I think Coinsurance is calculated on the allowed amount
Comment from : @umeshdaiah5086

youtube/17R08Kw_9I0
Comment from : @muhammadabid_33

Can I get Ur country code
Comment from : @RohanKumar-ss4ny

Handsome🥰
Comment from : @NoyNoy-jt2rk

I don’t go to the doctor much but I’m going to start going more (chiropractic, check ups, etc) but I don’t know which one to choose! I’ve had the BCBS 1500 plan but should I have 750 plan?
Comment from : @tonygareth221

thanks for breaking this down in an intelligent, concise manner I just got a insurance sales job with GoHealth here in Charlotte, NC and am currently trying to pass the NC Health exam to get certified
Comment from : @Charlestonbeachlife

In the same example will you plz explain the role of co-pay ??
Comment from : @bbibek1

thank you sir
Comment from : @bbibek1

Working in an insurance company so here I am watching this 😅
Comment from : @donnazamora8760

Great video, thanks so much For it I do have a question Does pt has to pay out of pocket for every physician visit until out of pocket max is paid? Or only the copay is needed to be collected?
Comment from : @josidaka20