I lost my brother two years ago and he was only 23 years old. My parents bought life insurance for him, putting in 10k, never expecting him to die so soon. My brother had gotten married about a year ...
They cover nothing for obesity too!! But about the smoking aids, I think that is wrong. Wouldnt you think that your employer would want you to quit smoking before you have to have them pay for cancer ...
does the insurance company pay your bill before you meet your deductible.?
I haven't met my deductible yet and i went to the doc a couple times , do i have to pay for it since i haven't met my 1000 $ deductible or are they going to cover part of it.
I have blue shield of California , PPO.
No, they pay NOTHING until you've met your $1,000 yet.
Deductible is always the first part of a claim amount that the insurer will not pay. Instead, the insured will have to bear that amount. If total claim amount is less than the deductible, nothing is payable by the insurer.
Your insurance company will pay absolutely nothing until you have accumulated $1000 in charges due and payable by you.
~~it can vary depending on your policy. Some of their policies require you pay your entire deductible prior to them covering anything. Some allow you to just pay a copay for your doctor's visit, and just make you pay the deductible for procedures and tests.
The only way to know for sure is to look at your benefit book, or call the information number on the back of your card. They can explain exactly how your policy works.~~
Your doctor visit is probably only subject to your co-pay amount. Labs, radiology or other ancillary services would be subject to your deductible. So they will be billed to your carrier and they will discount the amount charged to their contracted rate. You will then be responsible for the balance up to the deductible and co-insurance amount (e.g.80/20). Make sure that their final bill reflects the write off required and the amount owed matches the EOB (Explanation of Benefits) that you get from your carrier for the services.
The claim will be submitted to the insurance company and they will process the claim and put the allowed charges against the deductible. You will have to pay whatever the allowed charges are, but you'll get credit toward meeting your deductible.
You would need to review your schedule of benefits. Many PPO plans offer a copayment not subject to your deductible for office visits (labs/xrays would be subject to deductible & coinsurance limits).
Without knowing what plan you are covered under, this is an impossible question to answer.
If you really want a specific answer, you should call the member services number listed on your medical ID card.