Most services covered by your plan are subject to deductibles, as outlined in your policy terms. If the service isn’t covered, you’re typically responsible for the full cost — regardless of whether you’ve reached your deductible or not. There are some types of care that don’t require you to meet your deductible before your provider covers the cost. Typically, routine exams, cancer screenings, and other types of preventive care are fully covered. Resource: https://www.metlife.com/stories/benefits/deductible-vs-copay/#:~:text=Key%20takeaways,always%20count%20towards%20your%20deductible. 常规看医生 （preventive care)只需copay，即使你还没到deductible
之前从来没有过reach deductible, 感觉copay 一直都算在 deductible里, 上半年保险aetna 是这样，好几个bill , 有几个copay 60刀, lab，小手术，还有药，都没有reach deductible. 也没有一次性把deductible 都用掉。
下半年失业，换了公司的BCBS， 第一个bill, OB B超，Copay 15 刀，然后保险直接让付 deductible 500刀, 直接把deductible 用完了， 然后之后的visit copay 还是要单独付。我就有点迷茫了， 感觉之前都不是这样付的呀。还是我之前理解错了，有人能帮忙解惑一下吗？
是PPO， 我们PPO保费更贵哦， 想保HMO的，但是OB只接受PPO
There are some types of care that don’t require you to meet your deductible before your provider covers the cost. Typically, routine exams, cancer screenings, and other types of preventive care are fully covered.
Resource: https://www.metlife.com/stories/benefits/deductible-vs-copay/#:~:text=Key%20takeaways,always%20count%20towards%20your%20deductible.
常规看医生 （preventive care)只需copay，即使你还没到deductible
In net work 和out of network是分开算的。各有各的max out of pocket, 而且不重复计。
一般out of network的要高很多。