“Covered” means that the service is payable AFTER your deductible is met or it is payable AFTER a copay is paid. A few services, such as State mandated preventive care services like immunizations, mammograms and prostate screenings, are covered without being subject to a deductible or a copay. But many people mistake deductible expenses as expenses that are “not covered”. For example, if your PPO plan’s annual deductible has not been met yet, a trip to the lab for bloodwork might result in a deductible expense, an expense that reduces your calendar year deductible, and you will be required to pay the network discounted fee for the blood test. This service is considered a “covered” expense, even though you have to pay for it. If the service is “not covered”, it will not reduce your calendar year deductible.
Originally posted 2009-10-09 04:47:47. Republished by Blog Post Promoter
Tags: Covered vs. Not Covered, FAQ, health insurance, linkedin, Understand covered services
