Some anecdotes related in the comments are scary. I'm wondering, how is the situation for a software engineer working in a big company (say GAFA in silicon valley). Suppose you broke a leg skiing, and need surgery and various medical exams. How much are you expected to pay? what's the administrative overhead? same question for dental care.
completely depends on your insurance plan...something like this will definitely be covered, but how much you will pay depends on your deductible, how much you’ve already contributed to your deductible, what copay or coinsurance you need to pay once you meet it, and your out of pocket max (max you will pay for anything in a given year)
I have supplemental “accident insurance” since I’m relatively young and healthy and the biggest reason why I’d end up in the ER is due to a physical accident. With this insurance it covers more of what I would pay in this situation than my insurance would alone.
How much I would pay is depend on insurance plan. How much is payable can be stated. Even insurance needs to publish their payouts for each of published data of hospitals.
Yeah that’s a big one. Also if you have an emergency and go to a in network facility your doctor might be out of network. Most decent insurance plans do say that in emergencies they treat in network and out of network care equally, but definitely not all plans work like that.
