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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote]
When your plan has copays, that is often the only thing you pay unless separate services were rendered, even if you have not met your deductible. See for instance a derm visit with mole removal: if you have a specialist copay, you pay your copay which covers the removal as well as the visit, and then will have a separate lab fee for the pathologist. [/quote]

This is incorrect. I can’t believe so many people don’t understand what a deductible is and when copays apply.

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DP. I understand this in theory, but in practice, my insurance has never invoked the deductible unless it was a HDHP. My BCBS plan supposedly has a deductible, but I only ever get charged copays if I go in network, and the brochure has a copay listed for ER visits, so if I get stuck with the full bill for the ER visit because of my deductible, I would be completely confused and annoyed like OP. [/quote]

The insurance I had before I retired had deductible only for hospital stays, not outpatient care or prescriptions--and that was through multiple policies since my employer changed almost every year. I was only hospitalized once in 15 years working there so even though my deductible was on the high side it was never an issue for me. Even when we had United/Caremark. [/quote]

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