2017 approval

[BubblesOhSoSleeved 129]

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

[Heatgirl03 41]

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

[SleevedinSI 58]

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

Sent from my iPhone using the BariatricPal App

[BubblesOhSoSleeved 129]

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

[kaypitre5 28]

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

[Heatgirl03 41]

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

[Newme17 3,444]

$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

[BubblesOhSoSleeved 129]

$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

[rosestara 48]

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.

[BubblesOhSoSleeved 129]

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

[janedoe92 260]

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

[BubblesOhSoSleeved 129]

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

[janedoe92 260]

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

[BubblesOhSoSleeved 129]

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

[janedoe92 260]

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