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Why is my insurance copay more than paying out of pocket for the Dr?

 
queen.bee

Asked by queen.bee at 10:41 PM on Jul. 29, 2010 in Money & Work

Level 26 (27,411 Credits)
This question is closed.
Answers (7)
  • Mines is $90.00 I am going to change doctor.
    mamaofficer

    Answer by mamaofficer at 2:40 AM on Jul. 30, 2010

  • Something is wrong there.
    lovinangels

    Answer by lovinangels at 10:42 PM on Jul. 29, 2010

  • If that is truly the case ask the doctors office what the cash price is and pay out of pocket.
    slw123

    Answer by slw123 at 11:08 PM on Jul. 29, 2010

  • Your copay shouldn;t be more than $20 (and typically it's $5-$10). I have yet to meet a REAL doctor that charges less than that!!! :o)
    LoriKeet

    Answer by LoriKeet at 10:45 PM on Jul. 29, 2010

  • My copay is $50.00. My "Dr" is actually a Physicians Assistant (PA).
    queen.bee

    Comment by queen.bee (original poster) at 10:46 PM on Jul. 29, 2010

  • Medical insurance rates typically increase at 18-30% a year. Increasing the co-pay, is one way for employers to keep down monthly expenses.
    rkoloms

    Answer by rkoloms at 7:15 AM on Jul. 30, 2010

  • All co-pays varry depending on the insurance coverage. Some charge extra for specialists. You might want to look and see if your doctor is covered under your insurance or if he is considered 'out of network' usually the copay is a portion of the total that the insurance covers. In some cases you might only have a certain number of visits annually or perhaps you arn't covered at all for a certain visit. I would definately look at your coverage policy and maybe even call the insurance company directly
    littlestar85257

    Answer by littlestar85257 at 3:46 PM on Jul. 30, 2010

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