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How does the PHC Benefits program coverage work with an insurance deductible and co-pay?

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How does the PHC Benefits program coverage work with an insurance deductible and co-pay?

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When a member has an insurance deductible that has not been met, the following options are available: a) The provider submits a claim to the members insurance company. The insurance company sends an Explanation of Benefits form back to the providers office showing that none of the charges are covered. The provider then implements the standard procedure of calling to have the PHC Benefits program savings calculated. The member is contacted by the provider with the calculated savings and the member is responsible for immediately paying this amount to the provider. It is important to understand that the insurance company may only allow a portion of the total charges incurred against the members deductible. Insurance companies have established price guidelines for every procedure. If the physician charges an amount that is more than what the insurance company has established as allowable for that procedure, the insurance company will only credit the member with the allowable charge against

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