I know this is a stupid question to most of you, but Ive never had insurance with a co-pay before. Im totally confused. The plan lists the following:
Deductible : $5750
Max out of pocket: $6600
Provider Choice: HMO
Co-Pays : Primary Doc = $20
Specialist = $50
Nothing listed about any co-insurance.
Its Jan 2nd and I need an allergy shot and go to a primary doc. Do I pay $20? Or do I pay the full amount and the co-pay is all I pay after I meet the deductible? There is nothing like an 80/20 co-insurance listed at all.
Deductible : $5750
Max out of pocket: $6600
Provider Choice: HMO
Co-Pays : Primary Doc = $20
Specialist = $50
Nothing listed about any co-insurance.
Its Jan 2nd and I need an allergy shot and go to a primary doc. Do I pay $20? Or do I pay the full amount and the co-pay is all I pay after I meet the deductible? There is nothing like an 80/20 co-insurance listed at all.