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United Healthcare Insurance? |
My husband and I have United Healthcare Insurance. We have a $1200.00 deductible. We have a 25.00 copayment. I was told that we only have to pay the copayment to see a doctor, that they would cover the rest, My question is what is the 1200.00 deductible for if we don't have to meet it before we can see a doctor.. I am confused... You really should call member services and ask about your specific plan, because the deductible can be one of several things: 1. Hospital visits only (ER or admissions) 2. Labs and other procedures 3. A cost-sharing thing, where you pay your copay, United HC picks up a portion of anything done at the office, and you pay a percentage of that 4. Out of network providers (if every doctor or hospital or facility you go to is participating with United Healthcare, you don't need to worry about it - only if you see someone not listed as a provider.) Because there's literally hundreds of varations of United Healthcare plans, you're better off asking the insurance specifically what pertains to your coverage. Source(s): I'm a medical biller The 1200.00 deductible is generally applied to surgeries, hospital inpatient stays, labs, radiology, etc. Depending upon your plan it may also apply to perscriptions. I'm a former insurance coordinator for a local hospital. You're right to be confused. They're a great insurance company, but they have 20 different plans and you need to know which one you are on. I'd get a hold of your agent and demand to have that question explained. If your agent gives you a song and dance, contact UH directely. the second answer is right the copay is for the quack and the deductible is for hanging out at the pond with all the other quacks. Probably hospital stays. I had United Healthcare for a few years ago. They were great. The co-pay is for in office doctor visits. The deductible is for hospitalization, surgery, lab work, etc. But talk to your plan administrator if you're not sure. As someone else already said, United Healthcare has a ton of different plans so it's unlikely my plan would have been identicalto yours. |
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