I was reading through some policies provisions on the exchange last night.
Most all of these policies have deductibles starting a $2,500. Some of the higher priced one's (at least 1/3 higher) have a deductible as low as $750.
My question was this. In looking at some of the plans that have say a $3,000 deductible. Some say this
"Primary Care Visit $35, then 30% after deductible is met"
Others just state a co-pay fee of $35 but say nothing more, and I assumed that started only after the deductible was met.
So what is the first one saying? You can go see your primary doctor for $35, and then after you have reached $3,000, you must pay 30% instead?
That seems odd to me. I did call BCBS and was directed to an agent, but she was unable to answer the question. Anyone have any experience in this?
Most all of these policies have deductibles starting a $2,500. Some of the higher priced one's (at least 1/3 higher) have a deductible as low as $750.
My question was this. In looking at some of the plans that have say a $3,000 deductible. Some say this
"Primary Care Visit $35, then 30% after deductible is met"
Others just state a co-pay fee of $35 but say nothing more, and I assumed that started only after the deductible was met.
So what is the first one saying? You can go see your primary doctor for $35, and then after you have reached $3,000, you must pay 30% instead?
That seems odd to me. I did call BCBS and was directed to an agent, but she was unable to answer the question. Anyone have any experience in this?
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