I’m turning 26 very soon and will be changing my insurance plan from my moms super nice one to the okayish one at my job. Being that I don’t make a lot of money, I need to choose the cheapest plan.
This cheapest option is a PPO plan that includes a $1,500 deductible and an out of pocket max of $5,000 and I have a decent mental grasp on what that means. Having a deductible is very new to me so I was wondering if I could cheat the system, perhaps. My HR manager told me that he couldn’t answer any of my specific questions about the plans so I need the help of the internet.
I was looking to start therapy anyways and I saw in my plan that the mental health care section says “PCP/Specialist – $25 copayment, subject to deductible.” If I’m understanding this correctly, does this mean I can start therapy at the full rate, that will count towards my deductible, and then once I hit my $1,500, I won’t have to worry about my deductible and I will get to pay $25 per session for an in-network therapist? This seems like an easy way to hit the deductible while still doing something that I want to do, but I can’t find a straight answer on if therapy counts towards my deductible.
Thank you!
submitted by /u/sarahglory13
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I’m turning 26 very soon and will be changing my insurance plan from my moms super nice one to the okayish one at my job. Being that I don’t make a lot of money, I need to choose the cheapest plan. This cheapest option is a PPO plan that includes a $1,500 deductible and an out of pocket max of $5,000 and I have a decent mental grasp on what that means. Having a deductible is very new to me so I was wondering if I could cheat the system, perhaps. My HR manager told me that he couldn’t answer any of my specific questions about the plans so I need the help of the internet. I was looking to start therapy anyways and I saw in my plan that the mental health care section says “PCP/Specialist – $25 copayment, subject to deductible.” If I’m understanding this correctly, does this mean I can start therapy at the full rate, that will count towards my deductible, and then once I hit my $1,500, I won’t have to worry about my deductible and I will get to pay $25 per session for an in-network therapist? This seems like an easy way to hit the deductible while still doing something that I want to do, but I can’t find a straight answer on if therapy counts towards my deductible. Thank you!
submitted by /u/sarahglory13 [link] [comments]Read Morer/HealthInsurance