Hedgehog25
New Member
- 6
I am a 26 year-old male who was recently booted off his parents' insurance plan, so I've been perusing the various insurance plans available via the ACA exchange as well as BCBS's website (whose plans still cover the rest of my family). I have a question regarding co-pays and deductibles. What does this statement, as one particular example regarding primary care visits to treat an injury or illness, actually mean: "you pay $40.00 - not subject to deductible, for the first 2 visits. For additional visits you pay 20% after deductible." For the plan that included the quoted statement, the deductible is $5,750.
Does that mean that for the first two visits to the doctor's office, I will only pay $40 and that's it? And then from the third visit onwards, I will have to pay my medical bills in their entirety out-of-pocket until I have paid the deductible of $5,750? And then at that point, I will only have to pay 20% of each medical bill?
And what if I have a pre-existing condition that requires regular visits to, say, an endocrinologist? How much would I end up paying for each visit?
Something tells me I'm assessing this completely incorrectly -- advice would be greatly appreciated!
Does that mean that for the first two visits to the doctor's office, I will only pay $40 and that's it? And then from the third visit onwards, I will have to pay my medical bills in their entirety out-of-pocket until I have paid the deductible of $5,750? And then at that point, I will only have to pay 20% of each medical bill?
And what if I have a pre-existing condition that requires regular visits to, say, an endocrinologist? How much would I end up paying for each visit?
Something tells me I'm assessing this completely incorrectly -- advice would be greatly appreciated!