Insurance Questions

New Mexico State Health Insurance  - What is a Deductible?

A deductible (which is a charge from your insurance company) is paid once a year for seeing a specialist.  If you have not met your deductible, prior to seeing Naprapathic Medicine of New Mexico, you will be billed for the deductible amount.  The State of New Mexico's fiscal insurance calendar year begins July 1st and ends on June 30th.  The deductible is always paid to the first specialist seen during the State of New Mexico's fiscal year.

Insurance carriers; Presbyterian, Blue Cross / Blue Shield, Lovelace or United Health Care, do not charge patients directly for their deductible, instead the deductible is taken from the practitioners reimbursement who then in turn must charge the patient.

What is a Co-Pay?

Your co-pay is a smaller amount of money that the insured (the patient) is responsible to pay at each visit to a health care practitioner.  I.E. A doctor, MRI, X-Ray's, Labs etc.