If you have a co-pay at the doctor's office - btdt Posted: Jun 14th, 2016 - 8:08 am In Reply to: I have exhausted every avenue. I am an IC MT, I make too much - money even after I pay my taxes SM
then that is all you pay for that visit, UNLESS your plan doesn't pay for lab work or cardiograms performed at the office visit. Most plans pay 50% of lab costs and some pay 100% if the labs are done in-office. Co-pays are not deductibles. Your doctor will bill insurance, for instance, $280, but will only get your copay ($15, 30, 60?) and whatever contract price s/he agreed to. Your deductible does not come into play here.
If you cancel your insurance, you will pay the full price - $280 - for the office visit. A trip to the ER might cost you $10k, which is what my H was billed for what turned out to be indigestion. Good luck.
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