Your annual deductible is the cap on the total amount you would pay for any out-of-pocket costs in a given year. Effectively, this is the amount you pay for medical services before your insurance benefits will start to contribute to the cost.
A co-pay is a minimum cost per visit, so even if you have maxed out your annual deductible, a charge per office visit will apply.
Co-insurance is a percentage of the total cost of the services provided. Depending on your plan, a co-insurance may still apply even if you have met your deductible for the year.
The provider you choose may or may not be in-network with your insurance plan. Also, some plans require referrals from a primary care physician. Typically, it's beneficial to stick to providers within your network if you're looking to apply your insurance benefits to allergy testing. However, we do offer competitive self-pay rates if you choose to not apply insurance benefits to the testing.