I'm a bit confused and if someone here can explain this to me so I don't have to spend tons of time on hold with our health insurance company, I'd really appreciate it.
A week before Thanksgiving, DH sliced open his arm and needed 12 stitches. We paid the $150 co-pay for the ER, no big deal. A couple weeks later we got a bill from the hospital for over $500. At the time, I called the insurance company and was told that it was subject to our deductible. Ok, fine. I paid the bill and moved on. A few days later (who know why) I began wondering and now it's bugging me. If it's subject to our deductible, fine, but why do we have to pay a co-pay as well? Does this make sense?
Re: NBR: Anyone understand health insurance?
If your plan requires a co-pay, you will have to pay it even when your deductible is met and your maximum out of pocket.
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That sucks. The bill for $500+ listed the Dr's services separately from the ER services so I'm guessing that I'm good for this one. I'll be sure to keep that in mind for the future, thanks.
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