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 much, I guess mainly hospitals and procedures, but I’ve never had to worry. Taking a new job and leaning towards a plan where the deductible applies to office visits AND prescriptions, but it’s only an 1850 deductible and company contributes 700 to an HSA. It’s a Carefirst plan, which I have never heard of here in NJ. If I have to pay for an office visit or RX am I paying the contracted price (discounted) or their regular rate? After the deductible, when I start paying a 20% co-pay (in-network) is that 20% of the contract rate? That would actually be cheaper than my current $50 specialist copay I think. Hopefully I will only need generic meds and the Rx won’t be a big thing. I don’t have any specific problems currently that need a non-generic med. Hospital ER and in-patient is also 20% (ugh, but max OOP is 4k). RX will be $17 after deductible for generic and 30% for preferred. It doesn’t tell me about coverage for labwork and imaging, I only have a summary document for now (haven’t done onboarding yet). It’s a Carefirst plan, which I have never heard of here in NJ
submitted by /u/PatriciaTorbed
[link] [comments]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 much, I guess mainly hospitals and procedures, but I’ve never had to worry. Taking a new job and leaning towards a plan where the deductible applies to office visits AND prescriptions, but it’s only an 1850 deductible and company contributes 700 to an HSA. It’s a Carefirst plan, which I have never heard of here in NJ. If I have to pay for an office visit or RX am I paying the contracted price (discounted) or their regular rate? After the deductible, when I start paying a 20% co-pay (in-network) is that 20% of the contract rate? That would actually be cheaper than my current $50 specialist copay I think. Hopefully I will only need generic meds and the Rx won’t be a big thing. I don’t have any specific problems currently that need a non-generic med. Hospital ER and in-patient is also 20% (ugh, but max OOP is 4k). RX will be $17 after deductible for generic and 30% for preferred. It doesn’t tell me about coverage for labwork and imaging, I only have a summary document for now (haven’t done onboarding yet). It’s a Carefirst plan, which I have never heard of here in NJ submitted by /u/PatriciaTorbed [link] [comments]Read Morer/HealthInsurance