New year — new insurance plan and company. This one is from a different employer. There is a $900 individual / $1800 family deductible per year. It is applicable to anything other than primary / preventative health care services. Under the old insurer, they generously included outpatient mental health as an essential service and the deductible did not apply. The new plan is not that kind.
A therapist who is in network with both my old plan and this new plan called to get her services covered — and she was told that a copay would apply once my individual deductible and the family deductible were met. Unless I am reading this wrong — if my wife basically never plans to use her insurance meaning she not get close to using her $900 deductible, does that mean I am SOL in terms of ever getting services covered? Please explain it a different way if I am doing the math and logic wrong.
Edit: This is in the United States
submitted by /u/handsoftime3-6-9
[link] [comments]New year — new insurance plan and company. This one is from a different employer. There is a $900 individual / $1800 family deductible per year. It is applicable to anything other than primary / preventative health care services. Under the old insurer, they generously included outpatient mental health as an essential service and the deductible did not apply. The new plan is not that kind. A therapist who is in network with both my old plan and this new plan called to get her services covered — and she was told that a copay would apply once my individual deductible and the family deductible were met. Unless I am reading this wrong — if my wife basically never plans to use her insurance meaning she not get close to using her $900 deductible, does that mean I am SOL in terms of ever getting services covered? Please explain it a different way if I am doing the math and logic wrong. Edit: This is in the United States submitted by /u/handsoftime3-6-9 [link] [comments]Read Morer/HealthInsurance