Are my deductible and out-of-pocket expenses real-time?

No, HealthJoy uses a third-party service to connect with many insurance plans across the country. The displayed data is not real-time and is usually slightly delayed.

The explanation is simple: most medical insurance claims aren't processed instantly either, and it may also take some time to update the information regarding deductible contributions, which are provided to third-party companies.

For the most up-to-date data, select "My Benefits" in the "Chat" section, then click on "I want to know how close I am to meet my deductible". One of our concierges will contact your insurance carrier directly to verify the requested information. 

You can also visit your insurance carrier's portal to check deductible contributions, benefits information, claims, and much more.