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have you ever gone to the doctor paid your copay and got an unexpected bill in the mail a month later today were going to find out why all right guys welcome back to the health insurance basics series my name is joel zimmermelly im an independent health insurance broker so what happened to you in that scenario is you got whats called balance build so before we understand really what balance billing is first we got to really understand what a copay is so theres two types of copay plans theres comprehensive great plans and theres standard copay plans lets look at comprehensive first so in this example we got a four thousand dollar deductible you got a thirty dollar copay to see your pcp so lets say you go see your primary care provider get your blood work you get your ekg maybe you get an x-ray you dont get a bill in the mail fantastic right well the problem is these plans are very rare and theyre very expensive so most of the time thats not what were working with so lets go
