However, there are exceptions that are called out in your health plan.
First, wellness care, including your yearly physical and healthy baby check-ups, are not susceptible to a deductible, and are included free in your health plan.
Additionally, some health plans offer some services where you only pay the co-pay, even before the deductible is met. Such as primary care office visits. Some plans will allow you to have 2, 3, 4, or more visits to your primary doctor, and just pay their co-pay ($30 – $60), rather than you having to pay the full amount to the doctor for those visits.
If you are trying to save money and are looking at health plans that have a lower monthly premium, but higher deductibles, than you may want to look at plans that also offer copay for up 2 to 4 primary care visits. This will likely save you money in the long run.
However, there are many factors to consider when choosing a health plan. That’s why we are here. To give you an independent analysis of your health needs and budget and advise you on what plan(s) best suit your needs.
At Florida Health Agency we’re here to help take away that confusion…we will take you step by step and work through which plan best suits your needs.
Call (954) 866-7579 to schedule your free consultation.
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This book helps you learn about the different parts of the Medicare program, including Medicare Part A and Part B (together, they are often called “Original Medicare”), Part C (often called “Medicare Advantage”) and Part D (the part of Medicare that covers your prescription medications).
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