A GP visit is fully covered by insurance, a visit to a specialist, like in an hospital, needs to be paid by the deductible first even for a mere consultation with a specialist. Doesn’t matter if it was expensive or not.
And if you visit a specialist without a referral from your GP or dentist then usually insurance won’t cover anything. Except for visits to the emergency room.
A GP visit is fully covered by insurance, a visit to a specialist, like in an hospital, needs to be paid by the deductible first even for a mere consultation with a specialist. Doesn’t matter if it was expensive or not.
And if you visit a specialist without a referral from your GP or dentist then usually insurance won’t cover anything. Except for visits to the emergency room.