Originally Posted by MichaelB
You pay the entire cost (insurer negotiated cost) of the service until the deductible has been met. They you pay the co-pay until the entire total out of pocket has been reached, The insurer then pays 100%.
All this is for eligible expenses. Preventive and wellness services (see here
) are not subject to any deductible or copay.
But it says:
"Primary Care Visit $35, then 30% after deductible is met"
So which is it? You pay $35 to see GP, and after you reach $3,000 than you pay 30%. Seems to imply the $35 co-pay is before deductible is met.
It is worded different from other plans.
Also, I read about the free preventable services. Was wondering if that included your yearly physical. Ours was always pretty skimpy. Listened to your heart, take a deep breath, take your blood pressure, then order a bunch of lab work to see if your insides were working as should be.
I know the lab work isn't included. Someone on another board said his doctor sent him for some blood lab work, and he got a bill for over $600.
I know we don't know what tests he had. Mine were always included in my insurance premium so don't know what they can run.