Quote:
Originally Posted by Barry-xlovecam
No. The 80% co-pay has a deductible also, after that co-pay deductible amount is reached, if your policy has no exclusion for auto accidents, the insurer pays 100%.
I had $20K to $30K in these co-pay services for 3 years. The deductibles were $1.5K/$1.5K for a total of $3K out of pocket (patient expense). |
This is the first time I have ever heard of it working like this. Maybe your plan does, but I just looked at my plan it says they cover 80% of hospital costs. It says nothing about a second copay for this coverage. Although I do see that my plan has a max out of pocket payment of $6,000. so I would only be on the hook for up to that much.