I live in Michigan. The insurance I have is Blue Care Network. It’s a family plan. It’s between me and my parents. The family deductible maximum is $3,000. It’s split $1,500 between me and my parents.
I got a cervical spine x ray for neck pain. The results came back normal.
My pain hasn’t gone away, so my doctor and I discussed physical therapy.
I called my insurance to verify physical therapy costs and they told me that because I haven’t met my deductible, I have to pay out of pocket for physical therapy services and once my deductible is met, it’s a $40.00 co-pay.
I don’t understand why I would have to pay for it out of pocket if I have insurance?
Shouldn’t insurance cover some of it? If I didn’t have insurance wouldn’t it be more expensive?
When my doctor orders me to get tests done, I see on my insurance account the total amount the procedure was and how much insurance covered that. What’s left over is the amount I have to pay.
submitted by /u/Devin2019
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I live in Michigan. The insurance I have is Blue Care Network. It’s a family plan. It’s between me and my parents. The family deductible maximum is $3,000. It’s split $1,500 between me and my parents. I got a cervical spine x ray for neck pain. The results came back normal. My pain hasn’t gone away, so my doctor and I discussed physical therapy. I called my insurance to verify physical therapy costs and they told me that because I haven’t met my deductible, I have to pay out of pocket for physical therapy services and once my deductible is met, it’s a $40.00 co-pay. I don’t understand why I would have to pay for it out of pocket if I have insurance? Shouldn’t insurance cover some of it? If I didn’t have insurance wouldn’t it be more expensive? When my doctor orders me to get tests done, I see on my insurance account the total amount the procedure was and how much insurance covered that. What’s left over is the amount I have to pay.
submitted by /u/Devin2019 [link] [comments]Read Morer/HealthInsurance