jordanmarli
New member
Our health insurance plan is killing me. Like I’m dropping them for the other plan my husbands company offers when open enrollment comes killing me. THIS IS ONLY HAPPENING ON OUR KIDS VISITS TO THEIR PRIMARY CARE DOCTOR. I know yelling I’m so frustrated.
One of us takes a kid to their PCP, Pays the $35 copay. The office sends the stuff in for the claim. The insurance company kicks it back and charges us their cost for the entire office visit. So say their cost is $73 for the office visit. I’m paying $35 for the copay and then $73 for the office visit a total of $108. Our health insurance is paying $0 and applying routine medical care for our children to the family deductible. I could just pay out of pocket and save $38 when I take them to the doctor. Cash payments are $70 if you pay out of pocket at the window.
If I go to the doctor I pay my copay. The end it doesn’t go towards the deductible. Same for my husband so why is it different for the kids?
Edit: this is a PPO and here's a link to a redacted EOB on a Google drive https://drive.google.com/file/d/1SSSmxJkY048rISN-ofw2WhgXgxZ5LUco/view?usp=drivesdk
Edit #2 here's the 1st page of our Summary of PPO Blue Benefits I took the company name off. https://drive.google.com/file/d/1eZof55wf7eg_lImZoIhQ_rXV34R12isr/view?usp=drivesdk
One of us takes a kid to their PCP, Pays the $35 copay. The office sends the stuff in for the claim. The insurance company kicks it back and charges us their cost for the entire office visit. So say their cost is $73 for the office visit. I’m paying $35 for the copay and then $73 for the office visit a total of $108. Our health insurance is paying $0 and applying routine medical care for our children to the family deductible. I could just pay out of pocket and save $38 when I take them to the doctor. Cash payments are $70 if you pay out of pocket at the window.
If I go to the doctor I pay my copay. The end it doesn’t go towards the deductible. Same for my husband so why is it different for the kids?
Edit: this is a PPO and here's a link to a redacted EOB on a Google drive https://drive.google.com/file/d/1SSSmxJkY048rISN-ofw2WhgXgxZ5LUco/view?usp=drivesdk
Edit #2 here's the 1st page of our Summary of PPO Blue Benefits I took the company name off. https://drive.google.com/file/d/1eZof55wf7eg_lImZoIhQ_rXV34R12isr/view?usp=drivesdk