Health Insurance

Well, after all the fretting and anxiety about insurance, when it happened and I had to go out and get it on my own it was a relatively painless process, although the pain part probably won't come unless I need to use it. Then I am responsible for up to $5,000. But we will take it one step at a time. I had no choice really. The Cobra coverage frrom Weber was not only outrageously expenisive but also only allowed me access to doctors in Utah. The insurance agent I talked to on the phone was extremely helpful, even if he did mess up my application. Here is what I ended up with for $230.oo a month

What's the coverage for preventive and other office visits?
Plan pays 100 percent of covered expenses after your $35 copayment for office visits to your in-network primary care doctor. Copayments for in-network specialist and urgent care visits are $60.
What's the coverage for lab and x-rays?
Plan pays the first $500 at 100 percent per person per calendar year for certain covered preventive and diagnostic lab, and x-ray services. After this, you'll pay 20 percent of covered expenses once you meet your deductible.
What's the coinsurance percentage for hospital services?
For both in-network inpatient and outpatient services, once you meet your annual deductible, this plan pays 80 percent coinsurance for most covered medical expenses from in-network providers – which means you pay 20 percent of covered expenses until you reach your coinsurance out-of-pocket maximum.
What's the coverage for emergency room services?
You pay a $100 access fee per visit; then your plan pays 80 percent of covered expenses for an in-network emergency room once you meet your deductible. The access fee is waived if you're admitted to the hospital.
What's the coinsurance out-of pocket maximum?
Your in-network coinsurance out-of-pocket maximum for this plan is $2,500. Deductibles, copayments, and access fees do not apply to the coinsurance out-of-pocket maximum. Once you meet your deductible and coinsurance out-of-pocket maximum, the plan pays 100 percent for most covered in-network services.
Does the plan include prescription drug coverage?
This plan includes the Rx4 prescription drug benefit, which classifies drugs in one of four levels. Level 1 has a $15 copayment for a 30-day supply and includes many generic drugs. For drugs in other levels, you need to pay a separate $500 prescription deductible and then pay the specified copayments. Copayments are $35 for Level 2, $60 for Level 3, and 35 percent of the drug's cost for Level 4 (for a 30-day supply).
These amounts are for covered drugs from in-network pharmacies only. Use our Drug Coverage Search tool to look up which prescription drugs are covered. To locate an in-network pharmacy near you, use our Pharmacy Locator tool.
You'll have the opportunity to lower your Rx deductible for an additional cost by selecting the $150 deductible Rx optional benefit. You can add this benefit on the next page