Health Insurance Leads Aurora Colorado CO
Reader’s Question:
Hi there. I am confused. Please explain deductible form co-pay in my health insurance policy which I got from a local insurer in Aurora Colorado CO?
Thanks,
Skip
Aurora, CO
Howdy Skip. Good question and one that is often misunderstood. Your health insurance policy probably provides this information. It is always advisable to read your health insurance policy cover to cover. If you have any questions, this is the time to meet with your health insurance agent and get the answers. When you need health insurance is not a good time to be asking for help.
A deductible is the amount of exposure that you have for certain medical procedures. That is the first portion of the medical expense that needs to be paid. You are directly responsible for this payment. Your health insurance company has no liability for this portion of the coverage.
The co-pay is not to be confused with your deductible. The co-pay is the amount you will have to pay at time of service for certain procedures and appointments. The co-pay is never paid by the health insurance carrier. Typically these rates vary according to the service provided. The co-pay for a doctor’s visit is different than the amount of the co-pay for an emergency room visit.
When you read your health insurance policy, you may want to itemize these expenses so that as appointments become necessary you do not have surprises. Again, please meet with your health insurance agent in Aurora Colorado CO if you have any questions.
It is always a good idea to compare rates in your area for you to have an idea whether or not you are overpaying for health insurance. This website can help you get some free quotes without any obligation by simply filling out the relevant space that you see above.
Tags: health insurance lead, health insurance plan
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