So, I’m working on a big project that is a Self-Defence User’s Guide to US Health Insurance. It’s intended for folks encountering the system for the first time - i.e. folks turning 18 or 26, immigrants to the US, folks leaving their employer paid plan and buying it on their own, folks experiencing their first costly heath event.
I’d love to know what things you found/find confusing about how american health care works, like:
- Where to find insurance
- How to find a provider
- saving money on labs/non-emergency procedures
- drug costs
- should you choose a PPO or HMO
- co-insurance vs co-pay
- difference between a Bill and Estimate of Benefits
- Pre authorizations
- The difference between in-network/out of network and how to find it
What are the kinda things you found baffling as a user of US health insurance?