Starbucks Benefits- does this mean I have to pay a deductible before any aid comes my way?

So I started working at Starbucks a few months back, and I’ve become eligible for the medical/dental/etc. benefits, and I’m now just signing up for them.

I’ve only ever had insurance from my dad’s navy tricare before, so I’m a little new to everything and how insurance even actually works.

So, I’m relatively healthy and literally don’t ever go to the doctor’s office, unless I’m getting a necessary shot or required vaccine, like I did recently for college admissions earlier this year. So, I’m kind of looking at the cheapest plans, even if that means the deductible will be higher and meaning I’ll essentially have to pay more out of pocket before I get any aid in general- which is my understanding.

But a question I have is- even for just a little doctor’s visit, for example, like a routine check-up or maybe even a shot, if a Bronze Starbucks plan says the deductible is $3,300, does that essentially mean I’ll basically have to pay for the whole visit without any insurance, if the visit in actuality costs $120 for example?

Because this plan says “primary doctor office visit” and it says ‘75% covered after deductible is met.’ But, if a little checkup only costs $100, for example, does this mean I’ll have to pay the $100 myself, since I won’t be going over the deductible? And since it doesn’t say anything about co-pay?

Thanks.

submitted by /u/hillakay
[link] [comments]
So I started working at Starbucks a few months back, and I’ve become eligible for the medical/dental/etc. benefits, and I’m now just signing up for them. I’ve only ever had insurance from my dad’s navy tricare before, so I’m a little new to everything and how insurance even actually works. So, I’m relatively healthy and literally don’t ever go to the doctor’s office, unless I’m getting a necessary shot or required vaccine, like I did recently for college admissions earlier this year. So, I’m kind of looking at the cheapest plans, even if that means the deductible will be higher and meaning I’ll essentially have to pay more out of pocket before I get any aid in general- which is my understanding. But a question I have is- even for just a little doctor’s visit, for example, like a routine check-up or maybe even a shot, if a Bronze Starbucks plan says the deductible is $3,300, does that essentially mean I’ll basically have to pay for the whole visit without any insurance, if the visit in actuality costs $120 for example? Because this plan says “primary doctor office visit” and it says ‘75% covered after deductible is met.’ But, if a little checkup only costs $100, for example, does this mean I’ll have to pay the $100 myself, since I won’t be going over the deductible? And since it doesn’t say anything about co-pay? Thanks.
submitted by /u/hillakay [link] [comments]Read Morer/HealthInsurance

Leave a Reply

Your email address will not be published.