The annual deductibles are done so oddly. It seems there's an amount they charge for a visit that's "full price" if the patient pays it but the insurance company has bargained a lower amount that the providers normally accept as their full payment if payment is coming from the insurance company. There is no such strangeness if you can make sure your dedcbitble for the year is taken up by prescriptions, which though it's one deductible, is a different corporation which accepts then same amount whether the patient pays the full amount or the pharmaceutical insurer pays it.
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