Question

A patient insured under an indemnity plan has an annual deductible for office visits of $100, after which the office plan covers 100 percent of fees, and requires a separate annual deductible for hospital coverage of $1,000, after which it covers 100 percent of charges. The patient was seen in the office, a normal office visit charge is $45, and the patient was immediately sent to the hospital for an emergency appendectomy. The surgery charges totaled $7,382.

How much, if anything, does the patient owe the office?

How much, if anything, does the patient owe the hospital?

Answer 1

An Indemnity health insurance plan is a healthcare plan that allows you to choose the doctor, healthcare professional, hospital or service provider of your choice and gives you the greatest amount of flexibility and freedom in a health insurance plan.

The patient does not owe anything to the office as the patient is insured under indemnity plan in which he has to pay $100 to the insurer after which he is covered for 100% of the office visits fees. So even if the office visit charges are $45 the patient will not have to pay anything other than the $100 to insurer.

The patient does not owe anything to the hospital as the patient is insured under the indemnity plan in which he has to pay $1000 to the insurer for hospital coverage after which it covers 100 % of charges. So even if the surgery charges are $7382 the patient will not have to pay anything other than the $1000 to insurer.