Why Are Deductibles Different at Each Clinic?

If you have health insurance, you may have realized that every time you need to attend a clinic, you must cancel some payments for consultations, medical tests, or other items. And, if you have attended different clinics, you have surely noticed that these amounts of money vary according to each health establishment.

These expenses are called deductible. But why are they different in each clinic? Before answering this question, let's first define what a deductible copayment is, what it includes, and when we are not required to pay that amount.

What is deductible?

It is a fixed payment that all insured must make each time they receive care with their health insurance, either for outpatient care or hospital treatment. For example, if you go to the clinic and they charge you for medical care S / 50, that is the value of the deductible.

When should you not make the copay?

The payment of the copay is not always made. These are some of the exceptions:

• In preventive controls, such as the annual cancer check-up if you have cancer insurance.
• In control programs in maternal and child care.
• When you require accidental emergency care.
• When you take the minor to his well-child control.

Now yes, with these clear concepts, we can write down the reasons why the deductibles are different in each clinic, be it for medical consultation, pharmacy, or medical procedures. Why do these differences occur?

1.- For the care you need: The deductible for hospital care is different from the deductible for outpatient or emergency care.

2.- Due to the network of clinics you choose: If you have chosen to see yourself at a Network 6 clinic, the deductible will be higher than seeing yourself at a Network 1 clinic.

3.- Due to the type of insurance you have purchased: Each insurance gives you access to a network of clinics with deductibles at different prices. See what clinic networks are available with your insurance.

Is deductible the same as coinsurance?

There are people who confuse the concept of deductible and coinsurance; however, there are several differences between the two terms that need to be known.

Deductible

• It is the fixed payment you make for a medical consultation.
• It varies depending on the type of insurance you have purchased and the type of service you require.
• The amount may vary with the renewal of your insurance.

Coinsurance

• It is the percentage that the insurer assumes.
• Applies to medications, surgeries, exams, among others.
• It varies depending on the type of insurance you have purchased.
• It changes every year.