Originally Posted by
OB Pilot
I'll do my best to answer your questions.
The Regular Plan does not have a copay, your co-insurance is 20% after you have satisfied your deductible of $200 individual or $300 family. For either of your examples above, those numbers would apply with an out of pocket maximum for your family of $2500.
Ok I think I've got it. Example?
My son gets sick and I want to take him to his Primary Care Phys.
For the sake of example:
Doctor visit is $500.
I'd have to pay $200 (deductible) + 20% of $500 ($100) = $300 for his doctor visit.
Same for second Doctor visit we'd pay $300 if Doctor bill was $500?
Then if he has 10 of these visits in a year after $2500 we would not have to pay anything more. And if I have to go to Doctor I wouldn't have to pay anything?
Do I have that right? Very sorry...these terms and nuances are just not something I understand.
Spooky