Feel like there’s a mistake and not sure how to go about it…

Hey all,

I’m currently 21 and under my dad’s insurance (Cigna PPO) and am confused. About a year ago I met with a psychiatrist for ADHD and was diagnosed, given prescription meds, and met with him about three times. My copay each time was $50 but I was pretty broke and my parents weren’t going to pay for it so I stopped. Now, a couple weeks ago I decided to go back to seeing a psychiatrist (different person as my old one left the office) but it is the same office and the new psychiatrist is still in network. However, this time my copay is $160. I called the office and they said it would be $160 until I meet my deductible which doesn’t make sense to me because my dad’s plan has not changed at all since last year. On top of that, my dad and my younger brother have both been seeing doctors regularly this year so our deductible should already have been met. Why am I paying 3x more for copay “until my deductible is met?” I considered calling to see if there was a mistake but figured I’d ask here first for some guidance.

Also, on the actual insurance card itself it says that copay for a specialist is $50. What is going on?

submitted by /u/cantsurpassmediocre
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