Out of pocket expenses for aetna choice POS II 80/20???

[Tiggerangel 0]

I'm trying to figure out what my out of pocket expenses are going to be and I'm having a hard time getting an answer from the doctors office...Can any one help? or even give the slightest idea of what to expect???

Thank you!

[tyhelms 0]

Hi, it all depends on your insurance company....I'm assuming if your facility bill is 7,000 dollars you would have to pay 1,400 that's 20% which would be your portion. And so on and so on, with the surgeon and anethesologist. I just had a 1,000 dollar dedcutible and that's all I had to pay, everything else was 100%. I hope this helps.

[adagray 1]

If you go on the Aetna website and go into your account, you can look up what your 'max coinsurance' is. I believe this is the same as 'max out of pocket'. I have Aetna and have to pay 20%, but my max coinsurance is $2000 so I know it won't be more than $2000. And, the coinsurance is cumulative so if you've already paid for sleep studies, etc. (like I have already paid $600). The most I will pay for the surgery if I have it this year is $1400. Could be less if the 20% doesn't add up to $2000, but its probably best to just budget for the max coinsurance amount since you could have complications, extra day in hospital or whatever that might end up adding up to that anyway.