For those of you have January dates that were approved by insurance, do yall have deductibles that yall need to meet if so how are planning on meeting your deductible?

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My surgery is 01/13 and my deductible is $2500 and once I meet the deductible, I do not have to pay to see any Dr for the entire year.

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$ 500 for inpatient stay no deductible. Lucky with good plan

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Lol im an insurance agent, so I know how the deductible works, I really wanted to know how people plan on hitting their deductibles with surgery dates so soon after the deductible resets ☺

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Good thing our insurance starts over over every fiscal year. Our fiscal year begins July 1st. I have already met my 500$ deductible

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I have Flexible spending through my employer. The maximum is $2600 for the year and they will deduct that money from my checks every 2 weeks. So I'm taking the $2500 and putting that down for my deductible. I will not have to come out of pocket at once.

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$2000 max for the year, but because mine will reset come Jan, I'll be paying it all up front. At least that's how I think it works.

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$2000 max for the year, but because mine will reset come Jan, I'll be paying it all up front. At least that's how I think it works.

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Yes you'll pay that to your surgeon

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Yea I was trying for a december date because I had not only met my deductable but I had also met my max out of pocket for the year. I would not have had to pay anything for december date but now I have to pay 3500 because that is my max out of pocket and it includes my deductable. My copay is 20%. I am using FSA to pay for 1500 and the rest I will have to put on a credit card.

Yea I was trying for a december date because I had not only met my deductable but I had also met my max out of pocket for the year. I would not have had to pay anything for december date but now I have to pay 3500 because that is my max out of pocket and it includes my deductable. My copay is 20%. I am using FSA to pay for 1500 and the rest I will have to put on a credit card.

I have 2500 deductible with a 2000 $ HRA, but my coinsurance is 10% and my Dr bills me so I'm not worried about my out of pocket max. But yes I wanted a December date as well because my deductible had been met and now ima have to weight until February for a date so I can use part of my income tax

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

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No, what is your coinsurance??? After you pay the 500 to your doctor, you'll pay what every your coinsurance is up to your out of pocket max after the deductible has been met. You can find out if your hospital will bill you so you can make payments on it.

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So I found out that 2000 is already given to us by the employer so I'll only be responsible for 500

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

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No, what is your coinsurance??? After you pay the 500 to your doctor, you'll pay what every your coinsurance is up to your out of pocket max after the deductible has been met. You can find out if your hospital will bill you so you can make payments on it.

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So I found out that 2000 is already given to us by the employer so I'll only be responsible for 500

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What is coinsurance?

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

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No, what is your coinsurance??? After you pay the 500 to your doctor, you'll pay what every your coinsurance is up to your out of pocket max after the deductible has been met. You can find out if your hospital will bill you so you can make payments on it.

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So I found out that 2000 is already given to us by the employer so I'll only be responsible for 500

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What is coinsurance?

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The percentage of what you pay and what your insurance will pay.

Example: a silver plan is a 30/70 plan,

Meaning, the beneficiary pay 30% after their deductible has been met and the insurance plan pays 70%

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

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No, what is your coinsurance??? After you pay the 500 to your doctor, you'll pay what every your coinsurance is up to your out of pocket max after the deductible has been met. You can find out if your hospital will bill you so you can make payments on it.

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So I found out that 2000 is already given to us by the employer so I'll only be responsible for 500

Sent from my SM-G920V using the BariatricPal App

What is coinsurance?

Sent from my iPhone using the BariatricPal App

The percentage of what you pay and what your insurance will pay.

Example: a silver plan is a 30/70 plan,

Meaning, the beneficiary pay 30% after their deductible has been met and the insurance plan pays 70%

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Oh okay the lady said it's 80/20 so does that mean the insurance pays 80 of the out of pocket?

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

Sent from my iPhone using the BariatricPal App

No, what is your coinsurance??? After you pay the 500 to your doctor, you'll pay what every your coinsurance is up to your out of pocket max after the deductible has been met. You can find out if your hospital will bill you so you can make payments on it.

Sent from my SM-G920V using the BariatricPal App

So I found out that 2000 is already given to us by the employer so I'll only be responsible for 500

Sent from my SM-G920V using the BariatricPal App

What is coinsurance?

Sent from my iPhone using the BariatricPal App

The percentage of what you pay and what your insurance will pay.

Example: a silver plan is a 30/70 plan,

Meaning, the beneficiary pay 30% after their deductible has been met and the insurance plan pays 70%

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Oh okay the lady said it's 80/20 so does that mean the insurance pays 80 of the out of pocket?

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Yes and you'll be responsible for 20%

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