The IRS Deductions Blog

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Question: How do you know the Deductible Amount if plan doesn’t indicate the deductible amount for office visits?

I have the Lumenos Health Savings Account health plan. The annual deductibles, coinsurance, and out-of-pocket maximums for an individual is $1500. The plan says in-network office visits are 80% after deductibles. It does not indicate the deductible amount for office visits. So does this mean the plan pays 80% of whatever the office visit cost is and I pay the remaing 20% of the cost?

Answer: Generally, there is No Deductable for Office Visits. There are Co-Pays. Look and see if it shows a Co-Pay for the Dr. Visits. Your plan may have No Co-Pay after you meet your Total Annual Deductable.

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