so lately i've been going to the doctors a lot. My mom is the subscriber but I feel like I'm wasting all the money on the insurance card. Is this how it works? Is there a limitless amount of money. Will they start charging us now? I have an injury from football!
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You and your mom have separate coverage, she is the subscriber and you are the dependant. This is two separate coverages, you are not both sharing one. It depends on what type of insurance you have, if she signed up for a fixed number of visits per year then you will have to start paying once you pass that number of visits versus paying a higher deductible or higher co-pay for limitless number of visits.
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