I've been trying to save up for my out of pocket expenses... I know that the max out of pocket that i can be charged is $2500. Now, who will charge first? Is the deductible paid to the hospital? Do I have to pay anything else before I can have surgery?

I had to pay both the hospital and my doctor's office. I didn't have to pay in one big lump to both. I was charged by the doctor and the hospital as I went in for appointments and procedures. For example, when I when in for a doctor's consultation I was charged, then when I went into the hospital for bloodwork I was charged again.

Both took credit cards, that's how I paid my deductible. I figured I could pay off the cards with the money I saved from the food I wouldn't be eating. :-)

There were actually 3 places I wound up paying - the doctor, the psychologist, and the hospital. The hospital would not schedule my surgery until they had some form of payment in place.

I'm freaking out I don't that to stop it frim having surgery. I've been paying co-payments and also will be paying for my nutritional consult because they could not use my previous. I hope I can cover everything.

Thanks for your reply I really appreciate it.

I think you shouldn't worry about it. The hospital may send a claim first, it may be the doc, or even the anesthesia.

I think you should do what you need to do to manage your care. Call your carrier to confirm if you have a deductible and a coinsurance (max out of pocket) or if you have both.

Many docs and hospitals are perfectly comfortable giving you payment plans for those

Thank you .. It will work out that's what I keep telling myself.

I really like the title of your post, "desuctible"... yup, that's exactly what it is! Lol

Edited May 8, 201412 yr by Seela

It was a typo no clue what desuctible would even mean lol