People often get confused when it comes to healthcare insurance. I get confused also. Essentially how it works is this.
Most every healthcare insurance plan except Medicaid has a co-pay. Most have deductibles also. Even though you have a co-pay, you still need to meet the deductible for that year. That means that you are on the hook for the entire healthcare payment regardless of whether you have a co-pay or not. I hear you, it’s not fair and it’s stupid; but that’s the way it is. I don’t make the rules.
Once you meet the deductible for that year, then the insurance kicks in except for the co-pay. You always have to make a co-pay.
Do you have a deductible? You have to check your insurance plan as all are different.
Why is the system set up this way? To prevent over utilization of the system.