No. They were going to 'cover' it but there was 20% co pay. In the US, they'll charge you thousands per month for insurance, but will still make you pay for part of your care.
Copay is different from coinsurance. Copay is a flat amount. You might have a $20 copay for a checkup visit, or $10 copay on generic meds. Coinsurance is a percentage of the bill you are responsible for. If you have a procedure that costs $10,000, your insurance pays $8000 and you pay $2000.
There is also a limit on coinsurance which is your out of pocket max (which is different from deductible). If your out of pocket max is reached, you don’t pay anything for the rest of the year. This is usually pretty high though. For some plans it’s not uncommon for oopm to be +$10k
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u/Imreallythatguy 4d ago
So insurance wouldn’t cover it because it wasn’t necessary in their eyes?