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Babhadfad12 t1_jaayhve wrote

Reply to comment by The_Gandhi in No Mental Health Coverage with Marketplace by Evening_Attention_45

I have never heard of that. In health insurance, the only things covered before deductible I have seen are preventative visits mandated by law.

https://www.healthcare.gov/glossary/deductible

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The_Gandhi t1_jaayx4q wrote

I have been to PT and only paid a copay so I know that exists. Not sure which other kinds of treatment are covered typically. Your plan benefits guide will mention which items fall under the deductible and which are exempt.

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Evening_Attention_45 OP t1_jab8uj1 wrote

The link you posted literally states exactly what I'm saying.

This is taken directly from the link:

Deductible

"The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself."

I would need to pay $2,000 out of pocket before any of the insurance plan pays.

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Babhadfad12 t1_jabas86 wrote

…right, because that is what a deductible is. My original response was to this statement:

> I figured therapy would just be a copay and that you wouldn't need to pay the entire deductible before insurance kicking in.

I explained why this is not a thing.

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