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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Ohh okay thank you for explaining this!

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Ohh okay thank you for explaining this!

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Lol no problem

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I with United Healthcare with my job & my deductible is $5000 and it can not be met which sucks

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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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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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Is that 20% of the maximum out of pocket? Example: My maximum out of pocket is $1000, is it 20% of that?

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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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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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Is that 20% of the maximum out of pocket? Example: My maximum out of pocket is $1000, is it 20% of that?

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No its 20% of the procedure...up until you hit your max. So let's say your part of the procedure is 5000 after the deductible and after insurance pays...you'll pay up to 1000 and then insurance covers the rest. Also your deductible is included in the your of pocket max. So subtract your deductible from your out of pocket max and that's what you'll be left with after the insurance pays their part

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Oh okay. Thank you so much for clearing that up.☺☺

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