What actually counts toward your deductible?? Going crazy here

I have about $2.5k in out of pocket expenses, but only ~$400 applied to a $700 deductible. I tried looking at my terms and conditions, but it didn’t go into detail, just said there was a difference between OOP expenses and deductible. I called the insurance company, which was a shit show. After 10 min of circular conversation they confirmed that my prescription copays were not applied to deductible, which has never been the case for me but it made sense so I appreciated that confirmation.

But when I asked what actually applied to my deductible they couldn’t tell me. I asked like 3 different ways what goes toward my deductible and what doesn’t, and all they could tell me was copays didn’t count. I asked if they could find out what does count, then they put me on hold for 45 min and just hung up on me, so it’s just this mystery that I can’t seem to figure out.

Just wondering if there is another way to figure this out? Like what is the point of a deductible if nothing applies? Do I just pay out of pocket until the out of pocket maximum is reached? My labs alone surpass my deductible but idk if any of it is applied, every insurance I’ve ever had my deductible is usually met the first few months of the year due to my medical conditions. Super frustrating.

submitted by /u/butcheekzaflexin
[comments]