Under the POS plan, how do deductibles, co-pays and co-insurance work?
• For any service where a co-pay is required, you will pay the appropriate co-pay every time you have that service; there is no limit on co-pays. This includes office visits to doctors and services received in an outpatient facility like emergency room visits or physical therapy sessions. • Office visit co-pays do not count toward the out-of-pocket maximum. • There is no deductible or co-insurance. • Since there is no in-network co-insurance for the POS plan, only out-of-network expenses apply to the out-of-pocket maximum. Under the POS plan, if I was hospitalized and the total bill was $18,000, what would I pay? In-network, the POS plan would pay 100%.
