When do you need to pay the deductible with health insurance?!


Question: When do you need to pay the deductible with health insurance.?
I mean you dont have to pay the deductible when you just go like have something small done right, like maybe a routine visit to a doctor you dont have to pay your deductible first right.? When do you need to pay it.?Health Question & Answer


Answers:
With most insurance plans a deductible does not apply for a regular doctors visit unless they perform a test or procedure billed separately, such as lab work. Doctor visits usually have a copay or coinsurance. X-rays, diagnostic testing, hospitalization, outpatient services or procedures is where deductibles come into the picture. If you have a $500 deductible that means you pay the first $500 of the medical bills then insurance will pay most of the remaining bills after that. Usually co-pays you pay for a doctor visit is not applied towards the deductible and insurance company keeps a running total for the year. Once you pay the deductible you are good until next year when it resets. But check with your insurance company they are all different. Deductible is not part of the insurance premium its parts of the coverage and frequently excludes basic doctor visits.

Hope that helps.Health Question & Answer

You will pay 100% of your doctor bills until you've reached the total of your deductible.

Here is an example: let's say your deductible is $500. If your first doctor visit is $150, then they will charge you a co-pay, submit to insurance, and then find out you owe it as part of your deductible, so they'll bill you for $150 (minus the co-pay). If your next doctor's visit is $100, same thing. You'll have paid off $250 of your $500 deductible.

If your third doctor's visit is $400, then you will have to pay the remaining $250 of your deductible, then your insurance will pay its percentage of your remaining $150 bill. After that, your insurance company will continue to pay its percentage of all doctor bills (assuming their not denying your claims right & left!) until the year starts over, then you'll pay until your deductible is met, and so on.

A word to the wise: If your insurance company denies your claim for anything, try to appeal it (they legally need to give you instructions on the denial notice) and often it will work. Your doctor can also appeal for you in most cases, just ask the billing dept. Make SURE your doctor's office knows the bill is under appeal so they don't send your account to collections.

Good luck!Health Question & Answer

It depends on what type of plan you have.
With a CDHP or HSA plan doctor visits are subject to the deductible. In other words everything is subject to the deductible, except maybe your annual checkup.
With a traditional plan you have co-pays so you can see a doctor and get prescriptions for a pre-set amount like $15 or $40. Co-pays are not subject to, nor do they apply to the deductible.
Don
http://mtnhealthinsurance.comHealth Question & Answer

first of all, it depends on your plan. some more expensive plans will let you pay your deductable over weeks or months, and some will make you pay it all at once. In general, routine checkups should be covered, as they are by most health plans, even the most basic.Health Question & Answer


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