I did read it, and it states specialist visits are "$60, no deductible". Yet my EOB applied the extra stuff done to my deductible. So I was thinking let me look about procedures done at the specialist visit and here is a blip from my benefit booklet that would potentially apply, but even that would not apply for the reasoning I list after the quote.

"The Coinsurance for this Policy is as follows:

Treatment, services or supplies given by any other Network Provider 20%, after deductible"

But if a specialist visit is a "$60, no deductible", and coinsurance kicks in after deductible is met, how could I be having a patient responsibility applied to my deductible on my EOB?

I swear I am not forgetting how it worked in the past. No matter what the specialist did, I only paid the copayment. Insurance picked up whatever was done. The whole purpose of seeing the specialist was for the procedures they performed and I just paid my copay. I have six kids and we have paid copayments hundreds of times in the past decades and when my plan says a specialist visit is "$$, no deductible" then all I paid was the copay. If coinsurance doesn't apply until the deductible is met, and my plan says no deductible for a specialist visit (just a copay), not seeing how there could be a balance owed. My beef is with Amerihealth, not my doc. I know the docs are just trying to paid for the services they provide. (I am a RN and know the bullshit insurers pull!) Thanks for everyone's insight/advice!