Woman's A-Ha Moment Reveals That Her Deductible Was Not What She Thought

Naomie Harris Oberdorfer had always been a bit of a financial free spirit, so when she got her first health insurance policy, she didn't really pay much attention to the details. She just figured that it would cover her if she got sick or injured, and that's all she really cared about.
Fast forward a few years, and Naomie found herself in the hospital with a nasty case of pneumonia. She was there for a week, and when she finally got the bill, she was shocked to see that she owed over $10,000!
Naomie was confused. She thought she had health insurance! She called her insurance company to figure out what was going on, and they explained that she had a high deductible plan.

Basically, this meant that she had to pay for all of her medical expenses out-of-pocket until she reached her deductible, which was $5,000.

Naomie was floored.

She had no idea that her health insurance plan worked like this.

She had always assumed that she would only have to pay a copay when she went to the doctor, and that her insurance would cover the rest.
Naomie was so upset that she called her insurance company back and demanded to speak to a supervisor. She explained her situation, and the supervisor told her that there was nothing they could do.

Naomie was so angry that she hung up the phone and vowed to never use that insurance company again. She also decided to do some research on health insurance plans so that she could make sure she never got caught in a similar situation again.
Naomie learned a lot about health insurance that day. She learned that there are many different types of plans available, and that it's important to understand how each type works before you choose one.
She also learned that it's important to read the fine print before you sign up for any health insurance plan, so that you know exactly what you're getting into.
Naomie is now a much more informed consumer when it comes to health insurance. She knows what to look for when she's shopping for a plan, and she's careful to read the fine print before she signs up.
She's also grateful for the experience she had, because it taught her a valuable lesson about the importance of understanding your health insurance coverage.
Naomie's story is a reminder that it's important to be an informed consumer when it comes to health insurance. Make sure you understand how your plan works before you need it, so that you can avoid any surprises down the road.