New health plan and office visits are NOT covered before deductible (they were in my old plan). Do I pay the insurance discount price or “retail”? Also co-pays are %, not $ amount…based on contract or retail? NJ resident working remote.

My current job has great coverage and office visits have copay of 30 and 50, but covered before deductible. Deductible doesn’t seem to apply to…

View More New health plan and office visits are NOT covered before deductible (they were in my old plan). Do I pay the insurance discount price or “retail”? Also co-pays are %, not $ amount…based on contract or retail? NJ resident working remote.