I went to the dentist today and I need to get a mouth guard. My insurance covers the cost 80% plus deductible.
I’ve never had to use my insurance for more than preventative care so I don’t quite understand deductibles.
Basically since I haven’t paid any deductibles will I have to pay full price for the mouth guard? Or is it a set amount I pay.
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Your deductible is the amount of money you have to pay for medical care yourself before your insurance will start covering a certain percentage of all future medical bills. You only have to pay the deductible amount once per year.
Once your deductible is met, your insurance will start covering a percentage of bills for care you receive*, in your case, 80%. You will pay the remaining amount (20%) out of pocket. *(Bills have to be for an approved service with an in-network provider)
So let’s say your deductible is $100 and your dentist charges $100 per visit. You see the dentist in January, and you have to pay the entire bill yourself, in this case, $100. You see the dentist again in 6 months, and the bill is $100 again. Since you already paid the deductible amount ($100) at your last visit, your insurance company will now pay 80% of the bill. In this case, your insurance company will pay $80 and you must pay the remaining $20 per visit. At the end of every year, your deductible resets and you have to pay that deductible amount again before the insurance company will start paying.
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