2013年11月4日星期一

Is Medicaid better than private insurance?

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I work at WalMart and for 6 years have had insurance through them. I have medical problems that require doctor visits and regular checkups and it gets very expensive. The plan at WalMart I pay 100% of costs until I meet my $2500 deductible. Then they pay 80% until I reach my $5000 out of pocket max. I don't have $2500 and I meet that deductible within the first few months of the year so it's really hard on me, I have a stack of bills over several years I'm still trying to pay. I just found out I can be covered through Medicaid. I know that there can be problems finding doctors that take it, but other than that the coverage seems too good to be true. I would have to pay hardly anything for everything. So, in my circumstance, would it be better to accept the Medicaid and take the time to possibly find new doctors? Or is there something I might be missing (a catch) that makes Medicaid really awful and I would be better off letting the bills pile up and just keep trying to pay when I can?

Is Medicaid better than private insurance?

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