Co-pays and deductibles

[walkermy 86]

Make sure you check your co-pay and deductible if you have one. I received a call and follow-up letter from the billing department from the hospital where my surgery will be performed. I was told I had about $1,600 still to meet my deductible and with my percentages I would need to pay about $2000.00 prior to my procedure. I checked myself and based on my calculations it would less than 1000.00. Went for my pre-op today and had them re-work the numbers, billing came back with about $1,200.00. I with the help of the office staff in the bariatric practice, insisted that they re-check again, and wouldn't you know I was right. My co-pay was $900.00.

[MinaDina 89]

How far in advance did they call? I know ive not met my deductible because my insurance increased this year and all my visits were done last year.

Odd thing tho...the first surgeon I was going to wanted 2 grand. The surgery types were different but that's a huge difference. My current surgeon wants 500 at my last visit, and this is after they've done my insurance. Im so lost but afraid to ask from fear of them checking deeper and going we want all this money right this second. My surgery is next Thursday I received my pre registration call from the hospital but they didn't indicate anything about payment either.

I think this is one bull Im just going to have to ride down to the wire because I can't risk bringing a mistake they've to their attention made until after they've cut me open.

It's never too late, until its too late

[atlmag 77]

What I found to always watch for when using in-network providers. They like to request payment based on there billing amount rather based on the fee schedule they agreed upon with the insurance company.

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[Jesm1029 101]

I have bcbs and my out of pocket expense includint copays and deductible is 3300 per calender year i had already paid 1300 before surgery and had to pay 2000 after they cover everything at 100% after that for this year

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