Quote:
Originally Posted by Janiesgotagun
Ok I'm leaving my parents coverage in a few months and am scouting health insurance companies....thing is...I have no clue what they are talking about!!! The thing I am most confused about is the deductible...if a plan has a $1000 deductible does that mean for a normal doctors visit I first have to pay $1000? (ok please dont laugh at me, I have no clue) Or do I just pay a copay (it says $30 copay for doc visits) If I do just pay a copay then what is the $1000 for?? is that for hospital visits? Lol, I dont have $1000 bucks to go to the gyno! ;-) Somebody help me, I am going out of my mind!
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Normally, and then again I don't know what company you're looking at or what state you live in, you don't have to meet your deductible for Doctor visits that you have a co pay for and the co-pay also doesn't go toward your deductible and the $1000 deductible is for everything else, er's, outpatient services, x-rays, hospitals, surgeries and the doctors in the hospital.