Had my office visit today with my surgeon and scheduling my EGD, frontera and evaluation. I was told today that my deductible is met, does this mean I will still have out of pocket costs with BCBS, has anyone had to pay both out of pocket and meet deductible? I asked if I was going to talk to someone about costs so I can prepare and I was told it wasn't necessary, so I guess I am confused because my insurance company told me I had 80/20 and I am responsible for 20%, but was told different today by the insurance coordinator.

Typically once you meet your deductible, your insurance will start covering a certain % of future claims allowed amount and the rest is due from you until you meet your out of pocket max. For example, my policy has a $3000 deductible and then they cover claims at 80% (meaning I am responsible for the remaining 20%) until I meet my out of pocket max of $5000. So I am responsible for all claims up to the first $3000 of my medical expenses for the year. Now that I have met that $3000, the insurance pays my medical claims at 80%. Once my 20% reaches $5000, my insurance pays all claims after the $5000 in full with no payment due from me. Does that help?

Typically once you meet your deductible, your insurance will start covering a certain % of future claims allowed amount and the rest is due from you until you meet your out of pocket max. For example, my policy has a $3000 deductible and then they cover claims at 80% (meaning I am responsible for the remaining 20%) until I meet my out of pocket max of $5000. So I am responsible for all claims up to the first $3000 of my medical expenses for the year. Now that I have met that $3000, the insurance pays my medical claims at 80%. Once my 20% reaches $5000, my insurance pays all claims after the $5000 in full with no payment due from me. Does that help?

Yes it does, thanks a bunch????