I recently switched to a different health insurance plan.
The old one that I had had zero copy to see my primary doctor and a $1000
deductible. When I go in to see the doctor, I just give the receptionist my
insurance card and there was no fee for the visit. I think I've only used it
4 o 5 times during the last 10 years. It was a simple plan and I paid very
little attention to it. There was also no need to think about the deductible
because the company had a fund that paid the deductible for employees,
if necessary. I had to give it up when I went to work for a new company.
With my new plan from Blue Cross, there is a $10 copay. The deductible
is now $2000. I don't know how this works now. If I go to my primary
doctor, do I just pay the $10 and Blue Cross picks up the rest? For example,
if the doctor's fee is $100, do I just pay the $10 co-pay and Blue Cross
pays the $90? Does the $10 count towards the yearly $2000 deductible?
I still have not received the policy material and their website doesn't
say anything in detail. I called them a couple of times but gave up after
being on hold for 1 and 2 hours. (the recording said it was due to the
extra volume of new customers trying to sign up before the deadline)
Can someone explain it to me?
Thanks!
The old one that I had had zero copy to see my primary doctor and a $1000
deductible. When I go in to see the doctor, I just give the receptionist my
insurance card and there was no fee for the visit. I think I've only used it
4 o 5 times during the last 10 years. It was a simple plan and I paid very
little attention to it. There was also no need to think about the deductible
because the company had a fund that paid the deductible for employees,
if necessary. I had to give it up when I went to work for a new company.
With my new plan from Blue Cross, there is a $10 copay. The deductible
is now $2000. I don't know how this works now. If I go to my primary
doctor, do I just pay the $10 and Blue Cross picks up the rest? For example,
if the doctor's fee is $100, do I just pay the $10 co-pay and Blue Cross
pays the $90? Does the $10 count towards the yearly $2000 deductible?
I still have not received the policy material and their website doesn't
say anything in detail. I called them a couple of times but gave up after
being on hold for 1 and 2 hours. (the recording said it was due to the
extra volume of new customers trying to sign up before the deadline)
Can someone explain it to me?
Thanks!