Does Private Health Insurance Cover Doctor Visits? 
If you are referring to true major medical insurance policies that are in compliance with the requirements of the health care reform law then the answer to your question is `` Yes '' . Now , how the particular health insurance policy you select actually covers doctor 's office visits will vary between both insurance plans offered by an insurance carrier and from one insurance carrier to another . You could have a plan with office visit copayments that apply immediately , office visits could be covered at the plan 's co-insurance level with no deductible applying , or all health care services , including doctor 's office visits , could be subject to the plan 's deductible and co-insurance provisions . So , the consumer 's experience could range from a copay of perhaps $ 20 for the office visit to paying 100 % of the costs if it is subject to the plan 's deductible . The bottom line is to do your homework and study the coverage details of the health insurance plan you are enrolling in . There is much more to consider about a health insurance policy than just its monthly premium cost . 