LogFAQs > #961252085

LurkerFAQs, Active DB, DB1, DB2, DB3, DB4, DB5, DB6, DB7, DB8, Database 9 ( 09.28.2021-02-17-2022 ), DB10, DB11, DB12, Clear

Topic List	Page List: 1
Topic	Is an $80 co-pay too much for therapy?
harley2280 12/27/21 12:52:29 PM #12:	LostForest posted... Yeah I have a $1100 deductible. It's just weird because I was expecting to pay around that number when I started looking for therapists again. But the people I keep speaking with are all acting weird and being surprised I have a deductible, and it's throwing me off :\| FTR I do live in NY where everything is expensive lol. But based on what you guys are anecdotally saying, $80 per sesh doesn't seem astronomical to me. If you haven't met your deductible more than likely it's not a copay. Assuming the provider is in-network $80 is probably the negotiated cost for members between the provider and insurer. Then once you hit you deductible there is generally an 80/20 split until you reach your Maximum out of pocket. That depends a lot on the rules of your plan though. Source: Currently I work for one of the big insurance companies, and I used to be an insurance agent. I still have my license for health insurance. --- PSN/GT: Harley2280 <cite>harley2280 posted [p:961252085] in Is an $80 ... [t:79828225]...</cite> <quote>LostForest posted... </cite> <quote>Yeah I have a $1100 deductible. It's just weird because I was expecting to pay around that number when I started looking for therapists again. But the people I keep speaking with are all acting weird and being surprised I have a deductible, and it's throwing me off :\| FTR I do live in NY where everything is expensive lol. But based on what you guys are anecdotally saying, $80 per sesh doesn't seem astronomical to me.</quote> If you haven't met your deductible more than likely it's not a copay. Assuming the provider is in-network $80 is probably the negotiated cost for members between the provider and insurer. Then once you hit you deductible there is generally an 80/20 split until you reach your Maximum out of pocket. That depends a lot on the rules of your plan though. Source: Currently I work for one of the big insurance companies, and I used to be an insurance agent. I still have my license for health insurance. --- PSN/GT: Harley2280</quote> ... Copied to Clipboard!
Topic List	Page List: 1