Thanks!
2007-12-01 02:51:47 · 3 answers · asked by Rudini 2 in Health ➔ General Health Care ➔ Other - General Health Care
Well my old insurance has a $20 co-pay and my new one has "subject to ded & coins".....is one better than the other?
2007-12-01 02:58:09 · update #1
Insurance can be very confusing with many rules. For a doctor visit I always prefer a copay system because there are no surprises. A $20 copay is all your bill will be for the visit. If there is a ded (deductible) and coins (co-insurance usually a percent of the bill) you will likely pay more. People will usually have at least a $250 to $500 deductible with 10% to 30% co-insurance, which means you are responsible for the first $250 to $500 of your bills for the year than 10% to 30% of the remaing after that. In most cases, co-pays only cover doctor visits. If you are hospitalized or need outpatient services such as diagnostic testing or surgery you will likely have to pay a deductible and a percent of the rest of the bill if it exceeds your deductible.
Hope that helps. Call your insurance company because there all sorts of rules, exceptions and exclusions.
2007-12-01 04:17:40 · answer #1 · answered by SMRT 4 · 0⤊ 0⤋
I think it means deductions and coinsurers. Sometimes people have more than one insurance.
2007-12-01 02:55:24 · answer #2 · answered by Aloha_Ann 7 · 1⤊ 0⤋
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2016-04-06 01:45:55 · answer #3 · answered by Anonymous · 0⤊ 0⤋