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Illinois Health Insurance Doctor Co-Pay Plans
For a long time the doctor office co-pay plans have been the most popular type of plan for health insurance in Illinois. To this day they remain a very popular plan, especially for employees. They offer the catastrophic coverage that people are looking for combined with the low co-pay out-of-pocket cost when visiting a doctor. The doctor office co-pay plans are very similar to a employer-sponsored group plan as most group plans have offered this plan style for the last 20 years.
One of the main benefits of having a doctor office co-pay plan is that when you do need to go to the doctor’s office you usually pay anywhere between a $20-$30 doctor office co-pay and after that co-pay you are covered hundred percent for that visit. But what happens if the doctor needs to run any x-rays or have lab work done.
With a lot of carriers that offer Illinois health insurance doctor co-pay plans, x-rays and lab work would not be covered under the doctor’s office visit, but would count towards your deductible or max out-of-pocket in the case of the common cold for example. What that basically means is you would be out-of-pocket for the lab or the blood work until you met your deductible. After you meet your deductible most doctor office co-pay plans have coinsurance levels of 100%, 80% or 60% whereby 80% is probably the most common. This means after you have met your deductible any blood or lab work that you need to have done you would pay 20% and the health insurance carrier would pay 80% until you reach your max out-of-pocket.
Another advantage of having Doctor Office “Co-Pay” plans is that you usually have prescription drug coverage upfront without having to meet your deductible first.
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Illinois health insurance, & Illinois Medicare. To learn more visit his site at www.Focusinsgroup.com
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