Health Care Costs
Before you buy a health plan, check the costs carefully. If you already have a health plan, ask the plan for a list of costs.
- Learn about basic costs like co-insurance, co-pays, and the out-of-pocket maximum.
- Learn more about HMO costs and PPO costs.
- Whatever kind of plan you have, there are steps you can take to spend wisely.
Compare health plan costs
Costs to ask about
Ask if you have to pay co-insurance or co-pays. Co-pays are flat fees, like $15 for an office visit. Co-insurance is a percent of the cost of the service and can add up to a lot of money.
Check hospital costs. They can be high.
Ask about deductibles for prescription drugs or equipment.
In a high-deductible plan, you may have to pay a lot of money out of your own pocket before the plan starts to pay for services. These plans work best if you do not need health care.
Some hospitals are more expensive than others. If you can, try to compare prices ahead of time.
If you go to a hospital in your health plan's network, you usually will pay lower prices that your plan has negotiated with the hospital.
If you are uninsured or underinsured, you may qualify for discounts on hospital bills under California law.