r/HealthInsurance • u/arwenthenoble • 14d ago

Claims/Providers Full office visit co-pay charged for MyChart message

I had a question about a temporary medication I was taking and sent a message via MyChart. The message was only regarding the medication (no other health questions were asked).

I received my EOB and was charged a full $50 co-pay like when I go in person for a visit or have a full video visit. When I looked online, I see in general messaging costs listed as much lower than a visit. Does this mean my insurance doesn’t differentiate a full visit from a brief question in a message? If I had known, I would’ve scheduled an online telehealth visit instead.

I’ve had a lot of medical costs this year and another random $50 stings. I will avoid using MyChart going forward.

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u/Resse811 13d ago

Right because again each session is considered an appt. That’s why each session would be charged a co pay. It’s like seeing a doctor 12 times. You wouldn’t pay a single co pay for all those visits.

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u/wighty 13d ago

... my whole point is you aren't seeing a doctor. You aren't getting diagnosis/treatment/education in one visit from a physician. Some courses of PT might be able to get away with 1 visit, but majority do not. Paying the same level of co-pay is pretty ridiculous. If you make it like a $5 co-pay, fine, pay per visit. $50 co-pays on a PT visit is pretty much the entire cost, and the insurance is hardly paying anything.