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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Office visits under Basic Health Insurance

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: What do I have to pay for a doctor's visit under Basic Health Insurance"?

A: Assuming that you are enrolled in the enhanced plan, this insurance pays $65 for a doctor's visit up to the maximum number of visits allowed. You pay the price the doctor charges minus $65. There is no deductible or co-payment. Remember that Basic Health Insurance is intended as a supplemental insurance and the price of the office visit may depend on the Preferred Provider Arrangement under your primary health plan. If your primary health plan does not include a PPO benefit, then you can save more money by enrolling in a PPO discount plan in combination with the Basic Health Insurance. Details are available at For example, assuming no other insurance applies, if the doctor's normal office visit fee is $120 and the PPO network price is $85, then you pay $85 minus the $65 that is paid by Basic Health Insurance so your net cost is $20.


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