I spent 2 hours in the ER for 5 stitches on my chin. I only had to pay the copay of $125 and I was told I wouldn't get anymore bills (is that 100% sure?) and that my insurance covered the rest. Can someone help me understand how my insurance worked please?

So all I'd like to know is what happened exactly, why did I only have to pay $125?

Here are the details: My insurance is Anthem Basic.

Under PLAN OVERVIEW, I see

DEDUCTIBLE

In-Network Individual- $1,250 Family - $2,000

Out-of-Network Individual- $3,000 Family - $6,000

OFFICE VISIT

In-Network 100% after copay of $30 PCP /$60 Specialist

Out-of-Network 60% after deductible

Under HOSPITAL SERVICES, I see

EMERGENCY ROOM (there are other info, but I'm guessing this is the useful one in my case)

In-Network 70% after deductible and $125 copay (waived if admitted to hospital)

Out-of-Network 70% after deductible and $125 copay (waived if admitted to hospital)

I only had to pay $125 as a copay. I do not know what the total bill was.

Can someone please explain what "70% after deductible and $125 copay" means?

I don't get it...

• Was my bill only $125?

• Was it more?

• What would have happened if it was $2000? $10,000?

Thanks for any info!

Submitted September 22, 2017 at 11:10AM by idontloveanyone http://ift.tt/2xn5Emb