Need help w/ Oxford Health Insurance (Freedom Plan)...??? - oxford freedom plan
My employer has Oxford Health Insurance, but they said I had a deductible of $ 2,000. What does this mean? I have my ID, I can visit the doctor without paying for them? Also .. I am now free birth control, or should I pay? Please help ... I am what benefits I can get confused ...
Sunday, January 24, 2010
Oxford Freedom Plan Need Help W/ Oxford Health Insurance (Freedom Plan)...???
3 comments:
Oxford has several types of plans for freedom. It is one of the following:
R. Your deductible of $ 2,000 applies to all network services (which vary in the pharmacy. Sometimes you can benefit for prescription drugs received prior to payment, 2K). Before buying a penny of the cover you need to hire two thousand dollars for medical expenses. This can be a combination of physician visits, hospital ER After reaching the deductible you're good to go into operation until January 2008 when the total return.
B. The $ 2,000 deductible applies to inpatient, outpatient hospital care, important laboratory (MRI, CT, ultrasound, etc.), but not in an office to himself (or minor birth) is done immediately recognized, subject to cost sharing. IT services are sometimes subject to the franchise, may have a separate fee to participate. If you have a plan B, to pay continued to co-payments for doctor visits to unlimited, even if after reaching the two thousand dollars.
Find out if your plan offers an HSA (Health Savings Account). You couldBefore taxes in a position to put dollars for the franchise.
(The plans vary. This is just the standard information to give you an idea. Contact your representative for specific information or check your benefits.)
This means you pay no $ until you have paid for the franchise in 2000 in the first place. So you can not go to the doctor without paying. .. unless the invoice for $ 2,000.
Even after meeting the deductible, it is likely that the co-payments - that each visit to the doctor costs $ 25 or something. They also have a copay of rules - including the birth control pill.
This means that if you do something outside the network is the first installment of $ 2,000 of his money, then go to pay. If you go to the Dominican Republic to pay only your co-payment, which is usually $ 10-25. The same applies to the pharmacy, such as birth control that you pay the additional payment, but not much.
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