Man Insurance confuses me! If you have a deductable does that onlycount towards emergency services, like hospital stays, or does it count towards things like yearly exams and regualy Dr. Visits. Thats co-pay right?
2006-09-21 10:59:49 · 5 answers · asked by Lisa 3 in Health ➔ General Health Care ➔ Other - General Health Care
You need to get the book "Healthcare for Less" by Michelle Katz...the book explains all of these definitions in "easy terms" as well as what to look out for and how to get the best deal in you healthcare.....including the questions you should be asking when selecting a health insurance.....The $15 I paid for the book at my local Barnes and Noble has been the best investment,,,,,,,I now have an HSA and that is the perfect insurance for me!!!!
2006-09-22 14:06:51 · answer #1 · answered by Michelle 3 · 0⤊ 0⤋
A deductible is a spend down that you have to spend before your co-pay kicks in. Then you have your co-pay. After you spend a lot of money, there is usually an insurance maximum out of pocket, then everything is paid for by the insurance company.
2006-09-21 18:06:48 · answer #2 · answered by kny390 6 · 0⤊ 0⤋
It depends on how the policy is written. But deductible applies to the total charges billed. Copay is you upfront cost. Some insurances cover routine exams some only cover part of them. Read you policy or contact your health insurance provider they can explain exactly how you insurance pays.
2006-09-21 18:41:49 · answer #3 · answered by B N 4 · 0⤊ 0⤋
Talk to your insurance provider for accurate answers.
2006-09-21 18:01:46 · answer #4 · answered by kearneyconsulting 6 · 0⤊ 0⤋
CO-PAY KICKS IN AFTER
YOUR DEDUCTIBLE HAS FIRST BEEN MET
2006-09-21 18:06:00 · answer #5 · answered by Anonymous · 0⤊ 0⤋