Comic Strips

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lawrence

2034

Health insurance (lemmy.world)

submitted 1 year ago by lawrence to c/comicstrips

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[–] [email protected] 4 points 1 year ago* (last edited 1 year ago) (1 children)

No copay means no copay, what you’re describing is not no copay.

Yes, "no copay means no copay". Most insurance plans have BOTH a copay and a deductable on a large number of higher-end services like inpatient surgery and the diagnostics like CT. And I have had, and helped family shop for, healthcare plans that have no copay, but still have a deductable. Further, there's a lot of PPO variants that have no copay or deductable, but have a coinsurance for everything.

In my adult life, I have never seen a plan where your "typical" out of pocket for anything other than Primary Care or Teledoc was anywhere near zero, even if those plans approach $3000/mo.

And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ). For a patient, money going out feels the same as money going out. Especially in large quantities.

[–] bustrpoindextr 1 points 1 year ago (1 children)

And you're right. What I was describing was not a copay, but a deductable (please check the words I used, as I called it a deductable :) ).

Sure but the conversation was about copay ;)

[–] [email protected] 3 points 1 year ago* (last edited 1 year ago)

Sometimes conversations get confused pretty quickly in thread format. I never understood why, but it IS hard to keep context in Lemmy. Let me reopen with what I was replying to:

If you had no co pay you wouldn’t have had a $200 bill

That's what you opened with. The person above you didn't use the word "copay" at all. They just complained about being charged $200 to get a note. Your reply was the quote above. My reply was "but most insurance plans have a ... deductible".

The conversation was really about money out of pocket. I think you inadvertently thought it was about copays. It happens :)