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Old 06-19-2011, 05:28 AM
grace2all's Avatar
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Default Xpress with Insurance

I have insurance but was wondering if Xpress can be used as a supplement. For example, could it help cover the remaining 20% on prescriptions or doctor visits that my insurance did not cover?

Thanks

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Last edited by grace2all; 06-19-2011 at 05:34 AM.
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Old 06-19-2011, 05:58 AM
Mike McClurg's Avatar
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Yes it can be used in addition to your insurance.
great for those that are under insured.
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Old 06-21-2011, 10:10 AM
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Default re: Xpress and Insurance

Actually, you probably wouldn't be able to combine both on the same visit.

For Example, You have insurance and go to the doctor.

The insurance company may be paying the doctor a discounted, contracted rate of $95 for the visit that you make. You may be paying a $20 co-pay, so the insurance is picking up the other $75 of the cost that you never see.

If you were to walk in to the doctor without insurance, or if you used up your limit with your insurance, then you would pay whatever the doctor's standard rates are. Probably around $150 more/less depending on where in the country you are in. I visited an ENT specialist in the 1990's and 1 visit cost $250!!!!!

The way our plan works, is that you get the lower contracted rates like the insurance companies pay. They don't pay full price and neither should you. Of course, NOTHING is going to pay a co-pay, and NO insurance is going to pay for EVERYTHING and ANYTHING, especially in NY where I live, where insurance is 4 TIMES THE COST of EVERY OTHER STATE IN THE NATION, thanks to Mario Cuomo (the father of our current govenor lol!!!) He put through legislation to cover pre-existing and other things into effect in the 1990's. What did that do to insurance costs in NY? The SAME THING Obama's plan is going to do with the ENTIRE NATION! Straight to the moon Alice!!!!

When all is said and done, and the wonderful Obama puts hes plan in place, Our discount healthcare plan, and paying discounted for everything you need, will save you MORE then buying insurance, and paying for everything uncovered. In NY now, for me and my wife it would be $1200 a month. That is $14400.00 a year people!!!! I already know that $39.95/month and just paying for what I need to during the year in discounted fees, I will still come out WAY AHEAD!! My wife used to work for Wyeth, and got laid off. My Rx for Ramapril was a $20 copay on that plan, and I get it now for $9.97 at the grocery store from Xpress!!
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Old 07-01-2011, 05:57 PM
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I have full coverage health insurance. I use Xpress to cover those expenses that my insurance does not cover... For instance, I was prescribed a REALLY expensive Rx last week, and my insurance didn't cover it. As it turned out, I got a couple sample pills first to be sure I could take them w/o side effects, which I could not. However, had I been able to take those pills, I would have used Xpress to get the discount on the cost.

Some insurance policies have limitations, and once you reach a certain figure that they've paid, they'll pay no more. I would use Xpress once I reached that limitation.

It is up to the provider whether you can use both Xpress & your insurance for the same exact visit, procedure, rx, but I doubt many will.
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Old 07-14-2011, 01:29 PM
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We have an HSA insurance policy through my husband's company. When we go to the doctor, we don't have a co-pay, I just tell them to run it through the insurance and then bill us for what they don't cover. Insurance usually takes just a little bit off the bill and then we are responsible for the rest. We use our HSA account that we add money to every month to pay for these expenses. My husband's company also puts a lump sum in the account at the beginning of the year. Could I use Xpress along with my insurance to get the cost of the bill down even more and then still pay the remainder that is left with our HSA account?

Hope this all makes sense.

Lori
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Old 07-14-2011, 03:49 PM
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Lori, I'd recommend that you send this question to Support. This is more than, "Can I use both Xpress & insurance together?" I don't believe we are qualified to answer this question with assurance. OR, Mike may have the answer.
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Old 07-14-2011, 04:28 PM
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How do i get to support? i am not a member.
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Old 07-14-2011, 04:31 PM
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I'm so sorry. I thought you were someone else who is a member.

I'm going to send your question to our Support. I'll post here as soon as I receive an answer.
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Old 07-14-2011, 05:28 PM
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Thanks, Julie!!
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Old 07-15-2011, 09:53 AM
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Hey Lori W! I've received a response from our Support.


"Hi Julie,

Yes, this is a perfect example of when the Discount Program comes into play.

Since the member is paying the cost of the services upfront (out-of-pocket), they are
privileged to receive the discounts at participating providers..."


Let me know if I can be of any further assistance.
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