Understanding Health Insurance

Understanding Health Insurance

Understanding Health Insurance

Understanding health insurance can often be confusing to most consumers. Here is a list of our most frequent questions regarding health insurance at myDoc. If you have any additional questions, we are always available to assist you.

 

SHOULD THE INSURANCE PAY FOR YOUR VISIT?
It depends on the type of plan you have. Most insurance plans DO NOT pay 100% of the medical costs. Plans with lower monthly premiums have higher deductibles. Plans with lower monthly premiums usually have lower deductibles.

WHAT IS A DEDUCTIBLE?
The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.

WHAT IS COPAY?
A fixed amount you pay for a covered health care services AFTER you’ve MET your deductible.

WHY DOES MYDOC URGENT CARE CHARGE $50 UPFRONT?

  • If the copay is NOT specified and the deductible has not been met
  • or your coinsurance is >= 20%

PREVENTIVE CARE IS COVERED AT 100%
Most health plans cover preventive services – like flu shots, immunizations, and annual physical exams. MyDoc offers primary care hours.

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