I’m 22, this is my first time on my own employer plan since I just graduated. I was previously on TCYA for reference. I have a new policy. I have avoided going to the doctor all year because my deductible is 4K. I had to go for a OB visit and a PCP visit last month, my first time ever using the insurance for office visits so I was expecting to pay fully OOP for those visits. To my surprise I wasn’t asked for a copay but I knew I’d probably get billed. I’ve been monitoring my claims and it appears that my insurances “discounts” are covering the whole bills leaving me with a $0 cost share according to my EOB. I’ve been using the insurance for my prescriptions and this has never occurred before. My prescriptions have applied $90 to my deductible but these big medical visits were fully covered mysteriously and I have anxiety that these are going to come back to bite me. Everything on the app/website makes it clear that I’m responsible for anything oop until my deductible is met. I have terrible phone anxiety so I’m nervous to call the member services and question them on why they are fully covered my bills😂 I don’t even understand. Tricare just worked a lot differently! I don’t understand and I feel dumb bc literally my whole job is Medicare compliance with Aetna

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