Health insurance? What's that?
April 22, 2014 5:07 AM Subscribe
I am aging out of my health insurance and totally clueless. Help this soon to be 26 year old find resources to unravel this mess.
posted by Aranquis to Health & Fitness (19 answers total) 5 users marked this as a favorite
I'm aging out of my health insurance in late June. I don't know anything about health insurance. I just figured out what a deductible is. I'm not sure I entirely understand what a copay or coinsurance is. I know what a PPO vs HMO is but not an HSA.
My situation is I will need to enroll in obamacare as I will be unemployed (well employed part-time but no benefits). In August I will go to graduate school and will have to decide between the university plan and whatever plan I'm on.
I've tried looking online but I'm really looking for resources that spell out what all these mystery terms mean for someone who is uneducated on healthcare. And I also need advice on choosing a health plan. Due to poor eyesight (chronic but stable) I see a neuro-opthmalogist once a year and I am high risk for a detached retina (which would mean surgery).
I am already poor ($11/hr job) and will be moreso in grad school so how high of a deductible is too high? Is there anything special I should take into consideration because of my low vision and needs for a specialist?
Bonus: How expensive is a normal dentist checkup (no x-rays) without insurance?