December 28, 20169 yr 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? Sent from my SM-G920V using the BariatricPal App
December 28, 20169 yr 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. Sent from my iPhone using the BariatricPal App
December 28, 20169 yr $ 500 for inpatient stay no deductible. Lucky with good plan Sent from my iPhone using the BariatricPal App
December 28, 20169 yr Author 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 ☺ Sent from my SM-G920V using the BariatricPal App
December 28, 20169 yr Good thing our insurance starts over over every fiscal year. Our fiscal year begins July 1st. I have already met my 500$ deductible Sent from my iPhone using the BariatricPal App
December 28, 20169 yr 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. Sent from my iPhone using the BariatricPal App
December 28, 20169 yr $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. Sent from my iPhone using the BariatricPal App
December 28, 20169 yr Author $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. Sent from my iPhone using the BariatricPal App Yes you'll pay that to your surgeon Sent from my SM-G920V using the BariatricPal App
December 28, 20169 yr 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.
December 28, 20169 yr Author 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 Sent from my SM-G920V using the BariatricPal App
December 28, 20169 yr 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
December 28, 20169 yr Author 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
December 28, 20169 yr 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
December 28, 20169 yr Author 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% Sent from my SM-G920V using the BariatricPal App
December 28, 20169 yr 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% Sent from my SM-G920V using the BariatricPal App Oh okay the lady said it's 80/20 so does that mean the insurance pays 80 of the out of pocket? Sent from my iPhone using the BariatricPal App
December 28, 20169 yr Author 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% Sent from my SM-G920V using the BariatricPal App Oh okay the lady said it's 80/20 so does that mean the insurance pays 80 of the out of pocket? Sent from my iPhone using the BariatricPal App Yes and you'll be responsible for 20% Sent from my SM-G920V using the BariatricPal App
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?
Sent from my SM-G920V using the BariatricPal App