DEDUCTABELS

iVillage Member
Registered: 03-09-2008
DEDUCTABELS
2
Thu, 07-09-2009 - 12:33pm
ok so this is a rant and a little bit of a question. So cole and I have Blue cross blue shields health insurance. and the co pays and deductabels are CRAZY! I normally (with Humana when i had them) my co pay was $20 now with Blue cross it is $35 and coles specialist apts are $50!!! I mean i am doing all ican to pay for us to be on private insurance i pay $280 every two weeks! plus an extra $93 for dental and vision on us both ( i knwo he doesnt really need vision but it was only $10 more to add it on now so why not)! THen i went to the doctor the other day and i have a $500 deductable for pregnancy! Right like i have $500 to hand over..The good thing is the baby is covered 100% after birth with no deductable! (that was the rant) now the question. So when i meet the deductable for my insurnace that means that i dont have to meet any more for the rest of the year correct? and do my co pays go towards my deductable or are they just co pays?
Photobucket
Photobucket
babies
Photobucket
iVillage Member
Registered: 10-13-2008
In reply to: coledensmom07
Thu, 07-09-2009 - 12:50pm
i wish i could help ya out... but i haven't got a clue.. insurance is so confusing and currently i don't even have any :(






Powered by CGISpy.com







Lilypie 1st Birthday Ticker



Powered by CGISpy.com


>
iVillage Member
Registered: 07-28-2008
In reply to: coledensmom07
Thu, 07-09-2009 - 2:34pm
I'm sorry, that sucks!
Yes, after you meet your deductible you don't have to pay anymore deductibles for that calendar year. So until December 31st at midnight, you don't have to pay. And As far as copays go, usually they apply towards your deductible. But all insurance companies are different. So depending on how much you have already paid this year in copays, you might not have to pay the full deductible. And with certain insurance plans, once you meet the deductible you do not have to pay copays anymore. But I know others that you have to continue paying the deductible. So I guess that probably didn't help much at all. Lol. I would recommend calling your insurance company and asking. They will be able to give you all the info that is specific to your plan.



Powered by CGISpy.com
















Powered by CGISpy.com