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The_Gandhi t1_jaay269 wrote

Reply to comment by Babhadfad12 in No Mental Health Coverage with Marketplace by Evening_Attention_45

Insurance plans generally have exceptions where deductibles aren't applicable.. it would make medical insurance useless for most people if they had to pay out of pocket till the deductible was reached for everything.

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Babhadfad12 t1_jaayhve wrote

I have never heard of that. In health insurance, the only things covered before deductible I have seen are preventative visits mandated by law.

https://www.healthcare.gov/glossary/deductible

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The_Gandhi t1_jaayx4q wrote

I have been to PT and only paid a copay so I know that exists. Not sure which other kinds of treatment are covered typically. Your plan benefits guide will mention which items fall under the deductible and which are exempt.

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Evening_Attention_45 OP t1_jab8uj1 wrote

The link you posted literally states exactly what I'm saying.

This is taken directly from the link:

Deductible

"The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself."

I would need to pay $2,000 out of pocket before any of the insurance plan pays.

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Babhadfad12 t1_jabas86 wrote

…right, because that is what a deductible is. My original response was to this statement:

> I figured therapy would just be a copay and that you wouldn't need to pay the entire deductible before insurance kicking in.

I explained why this is not a thing.

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