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protection america question I am planning to buy protection america and had a question. Does the deductible apply from the beginning? So, if the patient visits the doctor and doctor charges 100 bucks, then it will come out of our pocket, until the deductible max is met? After that 80% uptil 5000. Am I correct? I would really appreciate if you could answer the question.
Thank you for your interest in purchasing Protection America. You have to first pay the deductible before insurance company starts paying anything. In other words, you have to first pay the deductible even for the doctor visit. Deductible is maximum once a year. After the deductible, insurance company pays 80% for first $5,000 in eligible medical expenses, you pay 20%. After $5,000, it will pay 100% up to policy maximum. I hope that answers your question. If you have any other questions, please feel free to contact us at anytime.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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