I took a look at the Cigna quotes for myself if I was single and I'm guessing that $160 is the monthly quote for the lowest Cigna plan with a deductible of $5000 for you.Originally Posted by asheep_uk
That means if you had an emergency and had to go to the hospital the first $5000 of the bill would come out of your pocket. After that your insurance would pay either 80% or 60% of the rest of the bill depending on if you were at a Cigna network hospital or not.
When I was 22 I had a motorcycle accident.
Snapped my femur in half, got pretty banged up overall and woke-up with my foot next to my face.
I didn't have insurance so the ambulance drove over 45mins past 6 hospitals that wouldn't accept me until we got to a county hospital that had to take me because they receive tax funding.
Luckily it wasn't anything life-threatening or else I could have died during the ride. (I know in your system that sounds impossible, but over here we've had horror stories in the news of people who have died because they were turned away from the "wrong" hospital for lack of insurance or because their insurance company refused to pay unless they went to a different hospital in their network.)
Anyway, it took a couple of days in the hospital to have surgery to put a metal rod and some screws in my thighbone, then 2 days of physical therapy which I barely remember because I kept passing out from the pain of the nerve damage in my groin, then was sent home with a $26,000 bill.
If I had the Cigna insurance plan you were looking at, I would have gone home with a $9,200 bill for an in-network hospital or a $13,400 bill for an out-of-network hospital instead... oh yeah, plus the cost of the ambulance ride which was $480.
That is what $160/mo buys you.
Doesn't sound too bad until you actually need to use it.
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