The plan I am looking at has a $1000 deductible. It says its a 70% PPO.
How exactly do deductibles work? I get the idea that you pay the first $1000, but does that apply to every doctor visit? I don't ever remember paying out of pocket for anything. I always just pay my copay and then that's it. The only doctor I see is an endocrinologist and he does the labwork at his own office. Will I have to pay the deductible just to see him? I seem to get mixed answers like the deductible is only for surgery. I'm so confused and don't want to sign up for something if I have to pay that much up front, it doesn't seem like it saves much money.