Insurances Accepted
The doctors at Village Dermatology accept a wide variety of insurance plans. Please see the list below to see if your insurance is accepted. If your insurance is not listed, feel free to give us a call, and we will find out if we can accept your insurance. Please note that you should always double-check with your provider list to make sure we are in network for you.
Blue Cross Blue Shield (but not My Blue Health)
Meritain Health
MultiPlan
PHCS
Tricare
UMR
United Health Care (but not “QHP” marketplace plans)
US Family Health Plan
Key Takeaways
Co-pays and deductibles are both features of most insurance plans.
A deductible is an amount that must be paid for covered healthcare services BEFORE insurance begins paying.
Co-pays are typically charged after a deductible has already been met. In some cases, though, co-pays are applied immediately.
Some plans have a separate deductible for prescription drugs or other services. With family plans, there are often two deductibles: for an individual, and for the whole family.
Frequently Asked Questions
What is a copay?
A co-pay, short for co-payment, is a fixed amount that a healthcare beneficiary pays for covered medical services. The remaining balance is covered by the person’s insurance company.
Co-pays typically vary for different services within the same plans, particularly when they involve services that are considered essential or routine and others that are considered less routine or in the domain of a specialist.
Co-pays are typically lower for standard doctor visits than for seeing specialists. Co-pays for emergency room visits tend to be the highest.
What is a deductible?
A deductible is a fixed amount that a patient must pay each year before their health insurance benefits begin to cover the costs.
After meeting a deductible, beneficiaries typically pay co-pay - a certain percentage of costs—for any services covered by the plan. They continue to pay the co-insurance until they meet their out-pocket maximum for the year.
Is a copay same as deductible?
No, but the two terms are often confused.
A co-pay is a fee that you pay when you receive healthcare services, such as visiting a doctor or picking up prescriptions. Your health insurance company will pay part of this cost, and you will pay the rest. A deductible is a set amount that you must meet for healthcare benefits before your health insurance company starts to pay for your care. Co-pays are typically charged after a deductible has already been met. In most cases, though, co-pays are applied immediately.
What is the average copay and deductible?
This will depend on your personal circumstances, but a high-deductible plan is generally regarded as any plan that has a deductible of $1,400 or more for an individual or $2,800 or more for family coverage. Plans with lower deductibles will have higher monthly premium costs.
Though high-deductible plans usually cost you more in out-of-pocket expenses, they can have advantages that offset that cost. Generally, high-deductible plans qualify for a Health Savings Account, which can help you to save for and manage healthcare costs.