Paying the same copay whenever you get care keeps your costs down and makes it easy to plan your expenses. And with copays, you don’t need to meet your deductible first. Depending on the HMOs available in your area, copays range from:
For other services, you’ll typically pay the full cost for any additional care you receive until you meet your deductible. After that, most HMOs pay 75% of all in-network costs. These include urgent care, emergency services, and hospitalization.
Most plans have a deductible, which is the amount you’ll have to spend each year before the plan starts paying most of the cost for services that aren’t covered by copays. Depending on the HMOs available in your area, annual deductibles range from:
All plans feature a maximum amount you can spend out of pocket. Once you reach this amount, all your in-network visits and other costs will be covered at 100%. Depending on the HMOs available in your area, maximums range from:
$6,550 to $6,850 for yourself only
$13,100 to $13,700 for yourself and your dependents