Someone help me with a Dermatologist / Insurance Problem Please?

Well, I want to go to a dermatologist that's Co-Pay is around $15-50, which my mom says is okay, but she is talking about deductibles and stuff, and she say that if they accept some thing called a ';gold card'; that I will defiantly be able to go to the dermatologist.Someone help me with a Dermatologist / Insurance Problem Please?
Your insurance card should say the amount of the your co-pay on it. Sometimes they don't, but you can easily call your insurance company to find out what the exact co-pay is for your (or your mom's) policy. Just call the Customer Service number on the back. Also, you need to make sure that the dermatologist you pick is ';in-network'; (participates with your insurance plan).





A deductible is the amount that you are expected to pay each year ';out-of-pocket'; before your insurance begins to pay for benefits. The amount of that deductible varies considerably: some have $100, some have $500, some have none at all, and some have different amounts for in-network doctor visits versus ';out-of-network'; visits. It all depends on your plan, which you can find out about by calling your insurance company. They can tell you how much of your deductible you've met for the year. This amount frequently resets at the beginning of each new year.





What she's referring to as a ';gold card'; is uncertain -- unless she's referring to her credit card. Dermatologists and doctors generally don't accept any discount cards/programs other than insurance. Pharmacies frequently do, and hospitals sometimes do, but individual physicians usually don't. Good luck!