As part of your insurance plan, whether individual or employer provided, you as the insured will have commitments to pay portions of benefits or bills.  This may be a simple copay, coinsurance or deductible.  Often you will have an  out-of-pocket limit or maximum that is the most you will pay prior to the plan paying 100% during a calendar or benefit year. Copays do not always count toward the out-of-pocket limit and with some plans will need to be paid even after reaching this maximum.

For additional information about your benefits, please contact your insurance plan or beneftis administrator.
Brandt R Gibson, DPM
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Podiatrist, Neuropathy Doctor, Father of 11 and Founder of Mountain West Foot & Ankle Institute