x*****j
发帖数: 81 | 1 在美国一直没有看过病 想选一个family care doctor
昨天找了一个flushing的华人小诊所 做免费的年度体检
我的保险是empire prism ppo deduction是$2000
primary care co-pay $25, specialist co-pay: $40
门口的小助理和我说 我必须看够$2000的病才能够co-pay 只付$25 在这之前我要每次
都付$50的co-pay
我不是特别了解相关的regulation 有哪位大侠能给讲讲么？她说的对么？ | l***c
发帖数: 1634 | 2 you probably only did annual check-ups before (they should only charge you $
25, not $50). A lot of basic health stuffs are covered 100% by the plan and
don't count toward the annual deductible.
However, this time, you are trying to do something non-basic. That's why you
need to meet the deductible first.
Suggestion: wait till next calendar cycle and do as many non-basic stuffs as
possible.
【在 x*****j 的大作中提到】
: 在美国一直没有看过病 想选一个family care doctor
: 昨天找了一个flushing的华人小诊所 做免费的年度体检
: 我的保险是empire prism ppo deduction是$2000
: primary care co-pay $25, specialist co-pay: $40
: 门口的小助理和我说 我必须看够$2000的病才能够co-pay 只付$25 在这之前我要每次
: 都付$50的co-pay
: 我不是特别了解相关的regulation 有哪位大侠能给讲讲么？她说的对么？
| c********e
发帖数: 6158 | 3 if your plan covers preventive annual check as free, then you need to pay
nothing. policy varies among plans, even with same insurer. to best way to
know what is covered, what is not, and when co-pay applies is to call your
insurance company. if you already paid to doctor but get a claim report
saying no responsibility, you can ask a re-imburstment from the doctor.
remember to follow up with the doctor for reimbursement,other wise they won'
t pay you back automatically. And actually some doctors prefer overcharge up
-front - you know why...
【在 x*****j 的大作中提到】
: 在美国一直没有看过病 想选一个family care doctor
: 昨天找了一个flushing的华人小诊所 做免费的年度体检
: 我的保险是empire prism ppo deduction是$2000
: primary care co-pay $25, specialist co-pay: $40
: 门口的小助理和我说 我必须看够$2000的病才能够co-pay 只付$25 在这之前我要每次
: 都付$50的co-pay
: 我不是特别了解相关的regulation 有哪位大侠能给讲讲么？她说的对么？
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