Health Insurance question?

Ok, in the past I made the mistake of purchasing a health insurance (I neede it one because I was pregnant) Now, i want to do some yearly exams, and here in Florida we have an option (miami). I am a little clueless about insurance info. Would you please read this and let me know what all means? what it covers>? specialist? what is the co payment total CYD + 10%? Thanks Cost Sharing Calendar Year Deductible (CYD) (per person / family aggregate) $250 per Individual Coinsurance (Amount you pay) 10% of allowed amount Out-of-Pocket Maximum (per person / family aggregate) $2,500 per Individual Calendar Year Deductible (CYD) for Dental Benefits (per person / family aggregate) $0 Deductible Other Benefits Physician Services $50 maximum applied towards the visit Well Child $50 maximum applied towards the visit E-visits $50 maximum applied towards the visit Urgent Care Centers $50 maximum applied towards the visit Rx Benefits - Retail Generic drugs: $10 Copayment Brand name and non-preferred drugs: discount only Rx Benefits - Mail Order Mail Order: Generic, Brand Name, & Non-preferred Drugs are not covered Inpatient Hospital Facility Services (per admission) CYD + 10% Coinsurance Physician Services at Hospital & ER CYD + 10% Coinsurance Independent Clinical Lab $0 Copayment Outpatient Hospital Facility Services (per visit) CYD + 10% Coinsurance (surgical and related services only) Dental Benefits $50 towards the visit for basic and preventative care Emergency Room Facility Services (per Visit) $500 + CYD + 10% Coinsurance (for non-surgical services only) CYD + 10% Coinsurance (for surgical services or admissions)
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This policy seems to have many restrictions and maximums. Makes me wonder what else is restricted in the fine print. This might be OK depending upon what you need and what the premium is for the policy compared to other major medical plans. You should contact a local agent that works with all of the major companies in your area. The agent can work with you to find the best plan for your situation and budget. They can answer all of your questions and can explain what you get and, more importantly, what you don't get with the policy. There is no extra charge using an agent.
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