I am enrolled in a PPO medical plan. My dependents and I have visited the doctor many times this year, but I was told by BCBS/Cigna that we haven’t met our deductible. How can this be?

With PPO medical plans, you pay a flat copay amount for many services, such as when you visit your primary physician, go to an urgent care clinic, or get a prescription filled. These copayments do not apply to your deductible.

To meet your deductible, you must first pay out of pocket for medical services that are not covered by copayments. Once you have met your deductible, services that require coinsurance will then be covered by your insurance.

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