Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Sep 28, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from East Freehold, NJ

Asked on 09/28/2010

My cardiologist can only see me in an outpatient hospital setting. Is there a way to avoid all the “hospital service” copays? I have Tetralogy of Fallot, a congenital heart defect. I am an adult now, and must see an adult congenital heart disease specialist, of which there are only about 50 of in this country. I see my doctor at a children's hospital out of state. I am being plauged with "outpatient hospital" copays, for a variety of services, including exams, EKGs, echo's, MRIs, etc. Many of these services have no copay in an office setting. I, however, have no choice as to where I can be seen. Is there anyway to avoid these copays?

Answer given on September 28, 2010

Outside of changing your insurance or having your employer pick up the charges for you…. which is an entirely different conversation, no.  Really, if you aren’t paying for the bulk of your premium and you have copays, you should be happy to have them.  You’re only paying a portion of the visit each time, and the insurance is picking up the rest.  

The only bad thing about this arrangement is that, even if you max out and hit your deductible and out of pocket, you will still have to pay the copays.  

As I mentioned earlier, there is a way that your employer ( I am assuming that you have group insurance through your employer ) could provide you with a benefit that would pay these copays for you, but that would involve some tax strategy and more discussion with your employer.  

 

Good luck!


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.