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UPS Union Issues
New TEAMCARE deductibles
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<blockquote data-quote="bakagigee" data-source="post: 1133786" data-attributes="member: 42772"><p>I'm sorry if this is really elementary, but I'm a little in the dark on some of this insurance lingo... When I have say a $100 family deductible, what goes toward paying that $100? I mean, if I go in for my first Dr.'s visit of the year, will I pay the whole bill if the bill is say $95? Or will I just pay a $10 copay and then have $90 left on my family deductible? </p><p></p><p>And what counts toward out of pocket max expense totals? Does the deductible amount count for that? Do the copays count toward that? And what qualifies as "Major Medical"?</p><p></p><p>Also, will my insurance still be Aetna, or will it technically be something else? And if it's something else, does that mean there a chance my current Dr. won't take that insurance and I'll have to switch doctors?</p></blockquote><p></p>
[QUOTE="bakagigee, post: 1133786, member: 42772"] I'm sorry if this is really elementary, but I'm a little in the dark on some of this insurance lingo... When I have say a $100 family deductible, what goes toward paying that $100? I mean, if I go in for my first Dr.'s visit of the year, will I pay the whole bill if the bill is say $95? Or will I just pay a $10 copay and then have $90 left on my family deductible? And what counts toward out of pocket max expense totals? Does the deductible amount count for that? Do the copays count toward that? And what qualifies as "Major Medical"? Also, will my insurance still be Aetna, or will it technically be something else? And if it's something else, does that mean there a chance my current Dr. won't take that insurance and I'll have to switch doctors? [/QUOTE]
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