For background I am 19M in the US and my mom says I have health insurance but won't give me the details? I don't get benefits from my job since I only work part-time. I don't really know how all this insurance stuff works because I wasn't taught or anything so explain like I'm 5.What I want to know is how to find out if I actually have insurance and how to use it. If not, how do I get insurance? I want to go to a doctor and get a check-up (haven't had one since I was 10) and get bloodwork done since I've been having issues but I don't want it to be too expensive. I appreciate the help!
>>34550100Health insurance companies mail you iut cards with your info, this includes for children on their parents' plans. If your mother won't give you a card, you're kinda fucked. If you can't hand over that card, it's pretty much like not having insurance.To get insurance for yourself, go to healthcare.gov and sign up. When it asks if you have insurance, no, no you don't. I believe that being a firsttime enrollee qualifies you to sign up outside of the normal period, but if I'm wrong you have to wait until November and sign up then. Once signed up, you choose whichever plan is least shitty and pay a monthly premium for it and they send you a card with your insurance info
>>34550100Health insurance sucks, and it's only getting worse so long as demand keeps skyrocketing. Now more than ever it is very important to make lifestyle choices to stay healthy and avoid medical bills. If your mom says you have insurance, you should have insurance. By law, your parents provide insurance for you through their workplace unitl age 26.Here's some vocab for you:>PremiumThis is the "subscription fee", a monthly, semi-annual, or annual payment you make for the insurance.>DeductableThis is the dollar amount you have to pay before the insurance company starts covering costs. This may include how much you paid in your premiums in the current year.>CopayA set dollar amount you have to pay out-the-door for certain standard procedures. For example, it's common for regular doctor's visit to cost you $25. The visit actually costs more than this, but the insurance pays the rest. They'll probably ask you to pay this at the doctor's office on the day of the visit.>CoinsuranceThe percentage of your bills you have to pay after the deductable is payed. So maybe the insurance company pays 80% of the bill, your coinsurance is 20%.I'm still kind of new to this myself, so others can correct me if I got some info wrong.
>>34550257These are good, I'll add>Out of pocket maximumThe total amount you will pay before the insurance covers everything. In other words, the point at which copay and coinsurance expireIt goes like this:You cover 100% of costs until the deductible>Insurance kicks in but you still pay copays and coinsuranceYou reach OOP Maximum and the insurance pays 100%
>>34550100>How to get health insurance???you can always try the panacea
>>34550111I'll go do this rn>>34550257>>34550310Thanks I think I understand now>>34550845?
>>34550100call or go to a free clinic/community type place and ask if they have someone there to help with health insurance
