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  On 11/18/2014 at 9:51 PM, TheMightyEthan said:

 

  On 11/18/2014 at 9:36 PM, Pojodin said:

I'm pretty sure it was copay. But I didn't realize coinsurance was a thing.

 

Yeah, like on ours right now we have a $750 per person deductible, but even once we hit that we still have 20% coinsurance until we hit the out of pocket maximum (I believe $5000 per person).  So even if we'd already hit our deductible, a procedure that was billed at $5,000 we'd still have to pay $1,000 of.

 

Ah, I see. There was definitely a copay, but I don't know if there were co-insurance costs for the exams leading up to surgery.

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