Do I have to meet my deductible when I go to the doctor?
In most plans, no. However, some plans are structured with less monthly premiums that allow wellness visits outside the deductible and other visits as part of the deductible.

Do I have to meet my deductible when I use my prescription benefit?
Again, in most plans no. But as indicated above about doctors’ visits, some plans do require it in return for lower premiums.

Is the deductible per person or per family?
Most plans have individual deductibles with a maximum of two per family in any given year. Other plans have a single, family deductible.

Can I see any doctor?
Virtually all plans allow you to see any provider but you will always experience less cost to yourself if you use network providers.

What are the expenses that typically go towards the deductible?
In most cases, think of the four major medical categories; hospital stays, any kind of surgery (in or out patient), emergency room visits, and diagnostic tests such as lab and x rays. However, screening for wellness visits typically are not part of the deductible.

Are pre-existing conditions covered?
In some plans and under some conditions, you can get pre-existing conditions covered without a waiting period.

Can I get maternity coverage after I am pregnant?
No.

Should I consider an HSA?
HSAS offer good catastrophic coverage and some attractive tax benefits at lower monthly premiums. We can help you determine if one is suitable for you.

Phone: 703-581-1508
Toll Free: 800-826-2722
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