The claims process took a very long time (a month) and seems to be insufficient to what is typical in insurance. Only 70% of my expenses went towards paying my deductible, which means that my out of pocket spent towards deductible is actually $750 versus $500 before coinsurance applies. This seems like a misrepresentation from normal insurance. The Co-Pay should apply after 100% of expenses have been applied to the deductible. I was extremely shocked the claim was itemized this way.
1 year ago
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