Co-Pays and Deductibles

Shirley161 · November 2003

I would be curious to know what your co-pays and deductibles are for 2004. Our co-pays are $20 for general office visits and $40 for specialists. We have either a $1,000 or $500 deductible depending on the POS1 or POS2 plan. Any feedback would be appreciated. Thanks.

bamahr · November 2003

We have a $30.00 office co-pay, $150.00 for ER, a $300.00 Deductible on in-patient with a Co-pay of $25.00 on in-patient days 2 - 6.

AJ SPHR · November 2003

PPO:
$10 office visit co-pay for primary care and specialists.
No deductible

Traditional:
$250 deductible for major med, then 80% reimbursement; no co-pays

HMO:
$10 office visit co-pay for primary care and specialists.
No deductible

lnelson · November 2003

HMO - $10 office visits
$100 Emergency (unless admitted)
100% hospital

PPO - $15 office 90% in Network
$250 deductible

Safety Witch · November 2003

I work for an insurance company with a benefits department. We have gone from $25 co-pay to $35 and $500 to $750 deductible. We don't have a flexible spending account which many employees have been asking for. The good news is they still pay the premium for employees.

mwild31 · December 2003

[font size="1" color="#FF0000"]LAST EDITED ON 12-01-03 AT 06:09PM (CST)[/font][br][br]Medical - PPO

Our co-pays are $20 per office visit, emergency room co-pay is $150 (waived if admitted), 20% for lab/x-rays/hospital stays, 50% Mental Health, 20% Chemical Dependency and for prescriptions $15 (Generic), $25 (Preferred Brand Name), $40 (Non-Preferred Brand Name). Our deductible is $200 per person with an annual $1000 out of pocket maximum.

Costs
EE = $229.60 (company pays)
Spouse Only = $297.99 (ee pays)
Family = $497.27 (ee pays, 'cept managers)
Children Only = $220.72 (employee pays)

Dental

$2000 annual cap. $50 deductible & co-pays are 20% Basic & 50% for Major (preventative is covered at 100%).

Costs
EE = $30.50
Spouse Only = $34.04 (ee pays)
Family = $77.95 (ee pays, 'cept managers)
Children Only = $43.93 (ee pays)

Skylyon · December 2003

PPO & HMO (same for both)
$10 an office visit
$20 generic prescriptions/$40 brand name
no deductible
$50 for hospital-emergency room.

Leslie · December 2003

PPO In Network

Our co-pays are $10 per office visit (includes lab if on same visit, another $10 if performed another time), $20 per urgent care, $55 for emergency room, waived if admitted. Precert is required for hospital (24 hours emergency entrance, prior to planned procedure). There's a $250 "penalty" if you don't precertify. For prescriptions $7 (Generic), $15 (Preferred Brand Name), $30 (Non-Preferred Brand Name).

Our employees pay a biweekly premium of:
ee only - $25
ee plus one - $55
ee plus two or three - $80
ee plus four or more - $110

We also have dental and vision benefits included with these premiums that are a bit different, but pretty darn good.

Co-Pays and Deductibles

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