I have HDHP with with $1,500/$3,500 deductible. What does that mean in terms of individual meeting their personal deductible before family deductible is met?
If my daughter uses up her $1,500 deductible but family deductible is not yet met, will coinsurance kick in for her or will her charges continue at full in network cost until all $3,500 is met? My daughter and I both will meet our personal $1,500 deductibles by mid April. Another $500 before the coinsurance kicks in a not that big a deal in a grand scheme of things, but I want to understand how this work. Insurance customer service was vague and less than helpful as usual.
Also, I started seen a doc where I will be having recurring appointments for a while. She said that my in network charge is $95 until the deductible is met, then it is 20% coinsurance. That's what I paid her for the last two appointments. Now, I see that she submitted claims to the insurance and on insurance site it says that my payment should be $210, not $95. Does that mean that this doc just accepts a $95 payment or will I have to pay additional cost to bring it up to $210? Should I question her or just let it be?
And one last question slightly irrelevant. This doc I see had me sign a 24 hour cancellation policy or I will be responsible for the payment. I canceled this week's Tuesday noon appointment at 11pm Monday night because I came down with a really bad cold with fever and was to sick to get out of bed. I did say in my email that I came down with fever and such and will not make the appointment. Should I expect to pay the $95? I know the 24 hr cancellation is standard, but I've never had to pay it before even when canceling last minute. But this is a new doc and she seems somewhat a stickler to details. If she insists, should I argue that this was not a planned or predictable event? Or should I just suck it up and pay?