Do I have to pay my deductible before “Office Visits” are covered by copays?
The simple answer is no. However, there may be companies that do have that clause in their contracts. It wouldn’t be against the law to have that clause, but we rarely see this situation. • Q: Are copayments credited against my annual deductible requirements? A: No, for the most part, insurance policies with “Office Visit Copays” handle office visits and hospital stays differently. Hospital stays are generally covered under the “Major Medical” portion of the policy and tend to be subject to deductibles and coinsurance. • Q: What is the difference between “Group” and “Individual” coverage? A: A simple explanation is that group policies can include two families or more and require an employer to pay a minimum of 50% or the single person premium to qualify. Individual policies cover only one family or individual. • Q: Can I be charged more for a policy than a nonsmoker would because I smoke? A: No. Insurance companies can only choose to accept or reject your application based on smoking o
Related Questions
- After the deductible has been met, what is the coinsurance maximum —the amount I have to pay before the plan begins to pay 100 percent of my covered expenses?
- How do I obtain additional funds to pay for equipment not covered by government programs?
- Do I have to pay my deductible before "Office Visits" are covered by copays?
