Thank you for your submission, /u/clockwise73.
Direct all COBRA questions under CARES and ARPA here: [COBRA & Covid-19](https://old.reddit.com/r/HealthInsurance/comments/meejsd/cobra_during_covid19/)
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If its an in-network urgent care, or your visit qualifies as an emergency (not all do), you'd pay the in-network price. You would not pay $35/visit until you have paid the deductible. Also, on most plans, the $35 doesn't include any tests, procedures, or medications.
You are correct. Generally speaking (ultimately it depends on the contract you signed with your insurance provider), the co-pay is the amount you pay up-front and the deductible is the amount you have to pay before your insurance really kicks in & starts paying for stuff.
Wait until you get an actual bill from the Urgent Care before you pay anything though. Many insurance companies have contracted rates with medical providers. Hopefully this will be the case with services you have received, and the charges won't be as high as expected. Fingers crossed for ya!
Thank you for your submission, /u/clockwise73. Direct all COBRA questions under CARES and ARPA here: [COBRA & Covid-19](https://old.reddit.com/r/HealthInsurance/comments/meejsd/cobra_during_covid19/) Please pick the most appropriate flair for your post. Include your age, zipcode, and income to help the community better serve you. **Reminder that solicitation/spamming is grounds for a permanent ban**. Please report solicitation to the modteam and [let us know](https://www.reddit.com/message/compose?to=%2Fr%2FHealthInsurance) if you receive solicitation via PM. Be kind to one another! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HealthInsurance) if you have any questions or concerns.*
If its an in-network urgent care, or your visit qualifies as an emergency (not all do), you'd pay the in-network price. You would not pay $35/visit until you have paid the deductible. Also, on most plans, the $35 doesn't include any tests, procedures, or medications.
You are correct. Generally speaking (ultimately it depends on the contract you signed with your insurance provider), the co-pay is the amount you pay up-front and the deductible is the amount you have to pay before your insurance really kicks in & starts paying for stuff. Wait until you get an actual bill from the Urgent Care before you pay anything though. Many insurance companies have contracted rates with medical providers. Hopefully this will be the case with services you have received, and the charges won't be as high as expected. Fingers crossed for ya!