What do you think of health care insurance that covers 90% of a hospital stay?

Question

It offers a $500 family deductible, after that, 90% of a hospital stay, $20 for a Primary Care office visit, and $30 for a specialist visit.

The insurance company is Aetna. This is their Core PPO plan.

Answer 1

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Answer 2

I don't like it.  You could end up with a really big hospital bill since they add up quickly.  The rest is pretty standard.

Answer 3

Sounds typical. The 90% payment gives you an incentive to find a reasonable priced hospital and provides an incentive to get done frivolous procedures. You can probably find a plan that offers 100% coverage, but then they charge a lot more. Do this. Determine the cost difference between the 90% plan and the 100% plan and put the difference each month into a high interest savings account set up only for medical costs. We'll call that self-insurance.