Deductible doesn’t have to be met before some services?
New HMO started today, and I have an appointment with my doctor tomorrow. I'll be getting an expensive but "preferred brand name" medication refilled. More than one rep from the insurance company has told me over the phone that as long as a service is listed as having a copay rather than coinsurance in the Schedule of Benefits, the deductible doesn't apply and they will pay for most of it.
The Schedule of Benefits says that the only service that doesn't require the deductible to be met is preventative care.
I know it's specific and probably a shot in the dark, but does anyone know if services listed with a copay rather than coinsurance are usually excluded from deductible fulfillment? Like I said, more than one person from the insurance company has said the Dr visit and the prescription will be like $10 copays, but the Schedule of Benefits says something entirely different.
submitted by /u/Specialist-Salad2512
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