Health insurance q. - Does the deductible exclude co-payment?
If I have a new insurance plan and my deductible is $500, do I still own to make a co-payment even in my first call in, in addition to the entire medical bill until it reach $500?
Example, if my first bill is $200. Will I be paying $225? (If co-pay is $25)?
Answers:
~~There are so many various policies, it's rock-hard to say for sure. Usually when you have a copay for your doctor, the deductible simply applies to any procedures. So if you just see the doc, it's the copay, but if there are any test, blood work, etc, then you would be charged the contracted rate for those until you reach the deductible.
That is the most adjectives, but to know for sure, contact members services with the number on the fund of your card, and they can tell you exactly how your policy works.~~
Generally, the co-pay is excluded from the deductible with most plans. So you will solely pay the $25 with your first doctor pop in. You will also pay the $25 even if you've already paid the deductible. Prescriptions are also commonly excluded. Your agent should own told you what will be excluded from the deductible in your plan.
Source(s): Independent Agent
Related Questions:
Example, if my first bill is $200. Will I be paying $225? (If co-pay is $25)?
Answers:
~~There are so many various policies, it's rock-hard to say for sure. Usually when you have a copay for your doctor, the deductible simply applies to any procedures. So if you just see the doc, it's the copay, but if there are any test, blood work, etc, then you would be charged the contracted rate for those until you reach the deductible.
That is the most adjectives, but to know for sure, contact members services with the number on the fund of your card, and they can tell you exactly how your policy works.~~
Generally, the co-pay is excluded from the deductible with most plans. So you will solely pay the $25 with your first doctor pop in. You will also pay the $25 even if you've already paid the deductible. Prescriptions are also commonly excluded. Your agent should own told you what will be excluded from the deductible in your plan.
Source(s): Independent Agent
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