Help me choose a health insurance plan.

[KlokWyze]

Before anything, no my current employer does not offer insurance. I'm a 28 year old male and I want to keep it under $80 a month. I was looking @ a quote @ the Anthem/BCBS website and was confused by all the various bullshit.

What does this mean (regarding "doctor visits"):

"You pay 50% or 0% after deductible." In network

"You pay 70% or 50% coinsurance after separate deductible." Out network

Now, I know the in and out network stuff, but if my deductible is say $1500, would I have to pay the full $175 just to go see a doctor @ a local Urgent Care since it's below the deductible?

I'm not picky @ all, it's just damn confusing with all the options, choices and explanation of each plan. Could anyone recommend a company/plan that is reasonably priced and financially effective. Is there a GOOD website out there that retrieves multiple quotes from different companies?

 

[rcpratt]

If you get a $175 bill, you would pay 50% in network. The only time you would want to do (although I'm sure it's automatic) 0% after the deductible is when the bill is more than twice your deductible. For out of network, you would pay 70% of the $175, or pay the deductible plus 50% beyond the deductible for larger bills.

 

[KlokWyze]

If you get a $175 bill, you would pay 50% in network. The only time you would want to do (although I'm sure it's automatic) 0% after the deductible is when the bill is more than twice your deductible. For out of network, you would pay 70% of the $175, or pay the deductible plus 50% beyond the deductible for larger bills.

Ok so when the bills are huge or usually @ least twice the deductible, THEN you have to pay the deductible. Thanks.

I'm looking @ Aetna now and they seem a little more reasonably priced, explained, etc.