I've been looking at their plans too, and wondered the same thing. I called Sendero today at 844-800-4963 and the rep told me that it means the same thing as "after deductible". She said once you've reached your deductible, then you only pay the copay.


I had the same question and found the following on CMS.gov: This cost-sharing option means the consumer first pays the copay, and any net remaining allowed charges accrue to the deductible.


You need to ask the insurance company that question but the answer is probably yes. What they receive probably won't say what the test was. It will most likely just list the company that billed it plus something generic like "laboratory." Under US law the insurance company can't discuss what the bill was for with your parents without your written consent, ...

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