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Out Of Pocket Expenses.

Borders3

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Borders3    16

Borders3
Posted

Don't know where to to put this thread, so I decided to put it here.

I just got off the phone with my surgeons office and they said that my insurance will be going through and we started talking surgery dates. Needless to say that was one of the moments I was looking forward too. We decided on the 23rd of this month and she is explaining to me all the lab work and hospital paper work and such. Then she explained to me about the fees that insurance doesn't cover. To be hones, I completely forgot about that. I've been just so focused with life I guess that I spaced the other fees. So sadly, I'll be postponing my surgery date till maybe early Feb. With a $5700 out of pocket co-pay my tax return will have to cover it.

Even though I have to wait a couple more months MAX, I know that I will be having the procedure and that is a goal that is something to look forward too.

Thanks for reading..... Please post if you'd like. I just wanted to share my info on a site with other people that understand the situation.

-Dave

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ejsfanatic    98

ejsfanatic
Posted

I made payment arrangements with both the doc and hospital, so there was no need to postpone. Are they not willing to do that with you?

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Borders3    16

Borders3
Posted

They talked with me about a deposit and payment methods. Just at $6,000 expense is out of the blue. I just didn't think it would be that high to be honest. I'll be making a $1,000 on Friday or Monday from my Union Contract signing bonus, than smaller payments over the next month and plan on paying rest with tax return.

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sleevethefatbehind    95

sleevethefatbehind
Posted

I feel your pain. My insurance went through, but I'm paying about $7,500 out of pocket after insurance. It's hard to complain though, when there are so many out there w/o insurance coverage at all, or at least that's what I keep telling myself. I just try to keep that in mind when I feel discouraged about how much I have to pay out of pocket.

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Borders3    16

Borders3
Posted

I feel your pain. My insurance went through, but I'm paying about $7,500 out of pocket after insurance. It's hard to complain though, when there are so many out there w/o insurance coverage at all, or at least that's what I keep telling myself. I just try to keep that in mind when I feel discouraged about how much I have to pay out of pocket.

Agreed, it is hard to complain. I just gotta keep my goals in sight and let time do its thing. I'm just glad that things are rolling in the right direction.

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Arts137    1,811

Arts137
Posted

Have BC/BS Federal... After all said and done I guess I have from $1 to $2,000 in out of pocket expenses, mostly in the prep visits and tests!

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Sassy in pink    19

Sassy in pink
Posted

Hi! I just got off the phone with my surgeon office and they told me that my insurance covers the surgery and hospital stay at 100% and then the person I was talking to she asked me if I had any deductible or out of pocket that I know off. I told her that they were going to check that! So now I'm worry about it! But I will call the insurance once I get my test started!

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nesa83    89

nesa83
Posted

I'm scheduled for Sat. I paid. 800. 00 on Thursday at my doctors and they told me the hospital might charge me a separate fee, I don't know why. Today the hospital called ugh to tell me I have a 2000 out of pocket and have only met 500 of it and my insurance pays only 80% of my surgery I have to pay the rest. In the morning they will tell me know how much I have to pay. I'm stressing now over this I hope it's not super high.

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Borders3    16

Borders3
Posted

I'm scheduled for Sat. I paid. 800. 00 on Thursday at my doctors and they told me the hospital might charge me a separate fee, I don't know why. Today the hospital called ugh to tell me I have a 2000 out of pocket and have only met 500 of it and my insurance pays only 80% of my surgery I have to pay the rest. In the morning they will tell me know how much I have to pay. I'm stressing now over this I hope it's not super high.

Isn't it nice that they decide to tell us this after we jump through hoops. They know exactly what they are doing. If they were to tell people before hand, I bet their profits would drop.

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Branmuffin    190

Branmuffin
Posted

I'm scheduled for Sat. I paid. 800. 00 on Thursday at my doctors and they told me the hospital might charge me a separate fee, I don't know why. Today the hospital called ugh to tell me I have a 2000 out of pocket and have only met 500 of it and my insurance pays only 80% of my surgery I have to pay the rest. In the morning they will tell me know how much I have to pay. I'm stressing now over this I hope it's not super high.

If you just paid 800 to your dr and had already paid 500 then your OOP should only be another 700$

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Go To Topic Listing Insurance & Financing

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