Question about choosing healthcare plans? Premiums and deductibles?

So I m finally able to choose a healthcare plan from my job and it says it goes into effect August first. Someone kind of explained to me
What premiums and deductibles are but my question is if I need to see a doctor asap I understand I have to pay out of pocket if I havnt met deductible but do I atleast have a

So I m finally able to choose a healthcare plan from my job and it says it goes into effect August first. Someone kind of explained to me
What premiums and deductibles are but my question is if I need to see a doctor asap I understand I have to pay out of pocket if I havnt met deductible but do I atleast have a certain rate that I pay for office visits and stuff like that or is it going to be super expensive for me still since I havnt met that deductible? I hope that makes sense! Lol

Other answer:

sarah:
Nobody here can answer your question because we don't know your policy benefits.

Some policies have co-pays that you pay when you see the doctor even if you haven't met your deductible. Some policies do not have co-pays; you pay the negotiated rate that the insurance company has with the provider until you've paid your deductible. Then, some policies will pay 100% of the charges and some will pay a lessor percent.

Your employer might have several different plans; maybe some have co-pays. You'll have to read the summary of benefits of your plan when you receive it to know exactly how your plan works.

Anonymous:
If you see the doctor after August 1st, you will get the "insurance discount". Depending on the reason for seeing the doctor, and what the doctor recommends, you might even have some of the costs covered, even though you haven't met the deductible yet.
Flower:
You have to pay in full if you have not met the annual deductible and that goes toward your deductible. Go to a county clinic if it is too expensive to see a private doc.
Casey Y:
The cost of the doctor is a fee set by that doctor, or at least a negotiated rate…
CherryBlossoms2:
Just do research, there's really clear guides online.
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