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I have an HMO (or PPO) insurance policy and pay a $15 co-pay for doctor office visits. Should I also have a Care Card?

April 26, 2017co-pay doctor hmo insurance policy Office pay ppo visits

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I have an HMO (or PPO) insurance policy and pay a $15 co-pay for doctor office visits. Should I also have a Care Card?

1 Answer

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No, in your circumstance, the Care Card really isn’t necessary. If you (or your employer) can afford, and want, to pay the premium on any health insurance policy which offers a $15 co-pay per visit, you don’t need a Care Card. If however, you find that the cost for any insurance coverage becomes more than you want to pay, we recommend that you explore other options (e.g., Care Card membership with HSAs, HRAs, etc.).