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    June 18, 2018
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Ask a Health Professional (715) 732-2101 3003 Cleveland Avenue Marinette, WI Andrew Congdon, OD. Doctor of Optometry [C]INSIGHT VISION CENTER uestion: What are Ocular Migraines? You may have heard The higher the deductible the lower the different terms monthly premium in the news lately From Deductibles, to Premiums, to coverage are many words that are used Max Out of Pocket Thisis a numbe y larger than your deductible This is the amount that you would have when talking about insurance, and we to pay even will try to explain a basic understanding you on how insurance works s me have ago% totno plan, that s met still have to pay s0%o of the c urance is what you buy as a way to until you meet r afford health care costs. When The higher the Max Out of Pocket, the u buy insurance, there are a few lower the monthly premium of that go rance. If your job offers insurance Co-Pay This is a set amount that you will be part of a group General owe for every visit. This does not eo when you are in a group, your insurance will cost less due to many people having you're visiting your primary care doctor the same plan which can negotiate ora specialst a discount. People who own therCo-Insurance You may have more ce towards your deductible This cani var or ther job does not than one insurance to cover the cost Many people on have higher of your deductible offer insurano healthcare cost. The following terms wl Medicare have a second insurance to decide the cost and how the insurance help with coverage, this is often Premium Your premium is your Coverage - W monthly cost of the insurance If you hen an insurance never use your insurance, you still have mpay says something is covered mean it will pay for it. Wha s greatly affected by other factors coverae means is that the insurance the other costs tend to be. If youhvehaven't met your deductible, you have to multiple people on the same insurance n your family, your premium will The money paid to a premium doesntour insurance will pay the charge go to your deductible, or max out of Prior Authorization Sometimes pay a premium. The amount that you pay the charge Cov ocket r insurance will require you to a Deductible A deductible is a se teste amount of money that you have to tedious task by your doctors before covered. This can be a office, as pay before insurance wil start to heipmay take weeks to months to complete. you with bill from a there will be service Insurance can be confusing. The If you have not paid enough to biggest take away is that insurance is your deductible, your insurance not a guarantee for payment. If your will not help you with these charges. insurance company does not pay a Once you have met your deductible you bill that you thought should be paid could still be on the hook for payment you have to contact your insurance f you haven't reached your max out of company, not the doctor's office to find pocket out why it hasnt been paid