Insurance Deductible??

[shellyshellybyebyebelly 1]

My deductible is $2000- Noone has mentioned it- I am wondering if I will need a check that morning or if I will get a bill from the hospital? My surgeon uses a hospital not day surgery center so I am kinda hoping they just send me a bill after and I can work out a plan...

[MelindaH 3]

My deductible is $2000- Noone has mentioned it- I am wondering if I will need a check that morning or if I will get a bill from the hospital? My surgeon uses a hospital not day surgery center so I am kinda hoping they just send me a bill after and I can work out a plan...

I would calll both the surgeon and hospital. Someone will want money and could cancel your surgery if you are unable to pay it. I would expect to have to pay half of it before surgery.

Better to communicate preop before you arrive at the hospital. I used to work in a hospital and this was standard policy ten years ago. I can't imagine that they have loosened their requiremets.

But communication with the business offices is critical. They will work with you and usually set up a payment plan. But do not ever be late. I hope this helps. I just do not want you to be in

admtting and a clerk asking you for money and you not having it. It can be embarassing for both the clerk and you and can delay the OR, which is frowned upon harshly. All the best to you in your journey

to good health.

Melinda

[shellyshellybyebyebelly 1]

I would calll both the surgeon and hospital. Someone will want money and could cancel your surgery if you are unable to pay it. I would expect to have to pay half of it before surgery.

Better to communicate preop before you arrive at the hospital. I used to work in a hospital and this was standard policy ten years ago. I can't imagine that they have loosened their requiremets.

But communication with the business offices is critical. They will work with you and usually set up a payment plan. But do not ever be late. I hope this helps. I just do not want you to be in

admtting and a clerk asking you for money and you not having it. It can be embarassing for both the clerk and you and can delay the OR, which is frowned upon harshly. All the best to you in your journey

to good health.

Melinda

Yes I think I will call the hospital finance dept- My surgeon told me "they will bill you" bu I do not think he knows much about insurance lol- I was reading online about MA and deductibles - It said something about allowing hospitals to require 20% down but who knows if I am reading it right- I am just going to call the hospital directly-I hope the payment plan is not based on my credit since that is not good...Thanks for the advice- Monday morning I am just gonna make the calls- I have just been avoiding it because I am afraid of bad news!

THanks

Michelle

[HeavyDutyQ-tee 2]

Wow... $2000 is a lot for a deductible. The thing about insurance is that they will not pay for a procedure until the deductible is met n paid in full. So 99% of doctors will require you to pay the deductible upfront. Are you sure the deductible is $2000 and that's not the amount of your yearly out of pocket amount? Just wondering, because that's quite a bit... My procedure was done in a regular hospital as well and is considered an outpatient procedure. My insurance deductible for outpatient surgery was only $50. Regular surgery would have still only been a $300 deductible. My yearly out of pocket amount is $2000. So my insurance pays 90% and even if my portion was say $2500, I would still only have to pay $2000. Now say I had other things done in the same year and say I had already spent $600 for the year, then my out of pocket for the surgery would only be $1400 because my maximum is the $2000. So the week before surgery, I put down a nice amount, but technically all I had to pay was $50. You are really not required to pay anything on your surgery until they bill insurance and you get you statement in the mail explaining what portion you owe. Deductibles are the only thing required before the procedure but some doctors still want you to put some money down towards the final payment as well. Hope this helps but I would definitely find out what they are going to require of you but I believe if you do not have at least the deductible, they might make you reschedule until you can pay it.

Hope everything works out... Good luck to you...

[shellyshellybyebyebelly 1]

Wow... $2000 is a lot for a deductible. The thing about insurance is that they will not pay for a procedure until the deductible is met n paid in full. So 99% of doctors will require you to pay the deductible upfront. Are you sure the deductible is $2000 and that's not the amount of your yearly out of pocket amount? Just wondering, because that's quite a bit... My procedure was done in a regular hospital as well and is considered an outpatient procedure. My insurance deductible for outpatient surgery was only $50. Regular surgery would have still only been a $300 deductible. My yearly out of pocket amount is $2000. So my insurance pays 90% and even if my portion was say $2500, I would still only have to pay $2000. Now say I had other things done in the same year and say I had already spent $600 for the year, then my out of pocket for the surgery would only be $1400 because my maximum is the $2000. So the week before surgery, I put down a nice amount, but technically all I had to pay was $50. You are really not required to pay anything on your surgery until they bill insurance and you get you statement in the mail explaining what portion you owe. Deductibles are the only thing required before the procedure but some doctors still want you to put some money down towards the final payment as well. Hope this helps but I would definitely find out what they are going to require of you but I believe if you do not have at least the deductible, they might make you reschedule until you can pay it.

Hope everything works out... Good luck to you...

I know it is huge- my Copays are relatively small- (30,50 etc)but my copays don't count to the deductible- believe it or not the total out of pocket is $4000! And I pay $70 a week for it! I am going to call the hospital and just bite the bullet so I am not stresing it! Thanks

[MelindaH 3]

Yes I think I will call the hospital finance dept- My surgeon told me "they will bill you" bu I do not think he knows much about insurance lol- I was reading online about MA and deductibles - It said something about allowing hospitals to require 20% down but who knows if I am reading it right- I am just going to call the hospital directly-I hope the payment plan is not based on my credit since that is not good...Thanks for the advice- Monday morning I am just gonna make the calls- I have just been avoiding it because I am afraid of bad news!

THanks

Michelle

You are very welcome! If you have any questions, please feel freee to

message me and I will be glad to help.

[Dawn200321 146]

I also have a deductable of $2000.00. My son was admitted to the hospital earlier in the year and that hospital did send us a bill for the deductable. He was admitted through the ER so I dont know if that made a difference or not?

[MelindaH 3]

I also have a deductable of $2000.00. My son was admitted to the hospital earlier in the year and that hospital did send us a bill for the deductable. He was admitted through the ER so I dont know if that made a difference or not?

I believe that the hospital cuts you some slack for an emergent admission. I would hope so. They will verify benefits and usually call you in your room (which I hate) or come and see you and make arrangements for payment. If you gave them correct billing infor in the ER, sometimes they just verify benefits and go on. Insurance people in hospitals tend to get behind, especially on a weekend, and if you have good ins, they just send it on over for billing. I did this for several years. Mon and Tues were usually extremely busy.

Melinda