What happens when you hit your deductible during your appointment?
I have an Anthem HMO plan that started last month. First time with my own insurance so I have questions. So far, none of my appointments have shown up on my account or toward my deductible. I figured there is probably a delay, especially if the doctor’s office doesn’t bill insurance immediately.
My question is, what happens when I pay more than the deductible? As an example, let’s say my therapy appointments cost $150 a session and my deductible is $250. These are made up rates, I wish they were those numbers lol. If I’ve gone to two sessions and paid the therapist $300, do I get that $50 back from insurance? Or is it not as soon as you hit $250, it’s after the appointment where you hit $250?
And when I go in next time, they shouldn’t charge me, right? Or will I be charged until these things show up in my Anthem account?