DO NOT GET THIS HEALTH INSURANCE.
Super misleading and duplicitous. I went over the benefits with a Health Insurance Navigator AND called Christus health insurance to ASSURE myself that the prescription and ER expenses were not subject (applied to) the deductible. Both told me, based on the on-line plan information, that they were not, and I would only need to pay a copay for each. Today I found out that was Totally wrong. Now I owe $2,500 to an emergency room and am being charged $300 for prescriptions.
Unlike the 3 other health insurance companies I have used, whose plan literature says, "deductible applies" after listing certain services for which you have to pay the deductible first,
Christus' says that if there is no specification or writing under
"Limitations, Exceptions, & Other Important Information" that means you must pay the deductible BEFORE the copay is applied.
So, by omission of the information, you are supposed to understand this. Sneaky. Duplicitous. Fooled me, a navigator, and the guy who represents them who I talked to on the phone.
When I asked the representative on the phone today why the Christus person I talked to in December gave me misleading/ incorrect information, she said "I think he was looking at the 2017 plan." To fool your own workers and the Health Insurance Navigator, that's irresponsible at best, but probably just planned to deceive.
So, I pay $350 a month, and don't get ER, prescriptions, MRIs and so much more covered before the deductible -- which neither I not the experienced Health Insurance Navigator could tell -- because they omitted the information. I wish so much that I chose NMHC and would have had I been given all the info. Their plan was $10 more and had higher copays, but I would have been able to get my prescriptions before fulfilling my deductible. $300/month for my health insurance payments!
I feel (and was) deceived, mislead, and used by a sneaky and avaricious company. BE CAREFUL! SHOP AROUND! CANNOT RECOMMEND