Make this make sense please
So I have BCBS through Teamcare, and none of my office visit copays have counted towards meeting my deductible or my out of pocket max. I was looking through plan documents and found this line:
"Deductibles shall not apply to the cost of covered Physician office visits by the Covered Individuals if the Physician is participating in a TeamCare preferred provider organization network, except for a per visit co-payment as specified in Section 20.01(q), which shall be required."
(Section 20.01(q) simply lists how flat copay amounts vary according to plan codes; mine is always $10)
So…shouldn't that mean that copays are supposed to apply towards my deductible? If "deductibles shall not apply" is then negated by the "except for a per visit co-payment", how is that statement allowed to legally define the exact fucking opposite thing? (yes I already know, insurance companies are crooks by design, but aside from that)
submitted by /u/salt_shaker_damnit
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