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A health insurance “Co-pay” is a set dollar amount you pay for a procedure or office visit (look at your plan summary very carefully). A co-pay is helpful because you’ll GENERALLY pay just the co-pay (unless other procedures are billed by your doctor in addition to the co-pay). For example, let’s say you see your family doctor for a sore throat. If your plan has a co-pay of $35 dollars, you’d pay the $35.
Sometimes you can be billed more than just a co-pay. For example, let’s say you went to a specialist (specialist co-pays are generally more than a primary care doctor) to have a spot on your skin looked at.
The office co-pay may be $75 meaning you would pay that much for the office visit. But if the doctor wanted to remove the spot, he could charge you/your insurance company for a “procedure” that is charged in addition to the co-pay. That would be two charges in one visit. So, the procedure could be billed to your insurance company, and you’d pay whatever your insurance company had negotiated with the doctor for that procedure, and that out-of-pocket cost would apply towards your deductible, and the co-pay would apply towards your “out-of-pocket maximum” (the absolute most you’d pay in any calendar year).
In most cases for surgery, most plans will not have a co-pay, but will have a deductible. So, there won’t generally be a co-pay, but before your procedure, you may be asked by the doctor’s office or surgical center or hospital to pay a certain dollar amount. This amount will come off your deductible amount. So, co-pays and deductibles are different, but anything you do pay, whether it’s a co-pay or deductible all applies in one way or the other towards your “out-of-pocket maximum”.
While this is a generalization on how most plans work, it’s important to know how your plan works specifically. Navigating through the many options of insurance can be confusing but speaking with a locally licensed insurance agent will help you to obtain the right coverage you need. You’ll have the peace of mind knowing that you are adequately insured when life complications arise. We work hard to find the most competitive quotes, and best coverage for your needs. Contact us today to begin the process of finding the best insurance plan for your family.
Renter’s insurance covers your personal property. If your property is damaged due to a covered peril such as a fire or theft, then you are compensated for your loss up to your policy limits. There are a variety of risks and events covered by renters insurance.
A high-risk driver is one who is more likely to file a claim. To determine your riskiness, your auto insurance company uses a complex algorithm that weighs in a variety of factors to come up with your auto insurance score.
Telemedicine puts healthcare within reach of those who would otherwise have a difficult time visiting a doctor. If you have a severe sinus infection, the last thing you want to do is spend the afternoon in the doctor’s office.
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Auto insurance coverage can be confusing, largely because insurance laws and requirements vary greatly from one state to another. As a Nevada driver, you’re required to carry liability insurance in the amounts of 25/50/20 (learn more about state minimum coverage here). However, in states like Arizona where coverage runs cheaper, state minimum coverage is a little skimpier.
Most people have never heard of association health plans; however, these health insurance plans have been around for decades. Association Health Plans may have fewer benefits but will most likely have lower premiums, making them an attractive option for those who are young, healthy, and on a budget.
According to a recent study, health insurance premiums could increase for individual plans on the ACA marketplace between 35 and 94 percent by 2021. Concern over health care is nothing new; in fact, this is the fifth consecutive year that Americans have ranked health care as a top concern.
At least for now, many aspects of ACA are still in place. Currently, an insurer can’t turn you away for a pre-existing condition, and long-term health insurance plans still have to provide coverage for ACA’s 10 essential health care benefits. Prior to 2010, private health insurance usually did not cover maternity, or preventative like it does now, and mental health was generally non-existent.