Hey y’all. I have united health care choice plus. My deductible is $1750 and my max out of pocket is $5000. I have an endoscopy scheduled for April and the hospital told me I’ll have to pay $1900 because of my deductible and 20% coinsurance. So how much will I have to pay for the surgery up front? Will it all be billed to me because I’ve met the deductible with the endoscopy?

sorry if this is a silly question but I’m fairly young and don’t know anything about health insurance.

Unfortunately, we don't know anything about your health insurance, either. LOL. Or the hospital you're using.

Best to direct these questions to your insurance provider.

26 minutes ago, Creekimp13 said:

Unfortunately, we don't know anything about your health insurance, either. LOL. Or the hospital you're using.

Best to direct these questions to your insurance provider.

Thanks for your response I will ask the hospital.

Hey y’all. I have united health care choice plus. My deductible is $1750 and my max out of pocket is $5000. I have an endoscopy scheduled for April and the hospital told me I’ll have to pay $1900 because of my deductible and 20% coinsurance. So how much will I have to pay for the surgery up front? Will it all be billed to me because I’ve met the deductible with the endoscopy?

sorry if this is a silly question but I’m fairly young and don’t know anything about health insurance.

Hey y’all. I have united health care choice plus. My deductible is $1750 and my max out of pocket is $5000. I have an endoscopy scheduled for April and the hospital told me I’ll have to pay $1900 because of my deductible and 20% coinsurance. So how much will I have to pay for the surgery up front? Will it all be billed to me because I’ve met the deductible with the endoscopy?

sorry if this is a silly question but I’m fairly young and don’t know anything about health insurance.
[/quote

Ask your insurance company directly... they can tell you about the hospital and give you a ballpark figure of what it might cost you

1 hour ago, it'sonlythefirststep said:

On 2/20/2018 at 3:50 PM, Astarisborn said:

Hey y’all. I have united health care choice plus. My deductible is $1750 and my max out of pocket is $5000. I have an endoscopy scheduled for April and the hospital told me I’ll have to pay $1900 because of my deductible and 20% coinsurance. So how much will I have to pay for the surgery up front? Will it all be billed to me because I’ve met the deductible with the endoscopy?

sorry if this is a silly question but I’m fairly young and don’t know anything about health insurance.
[/quote

Ask your insurance company directly... they can tell you about the hospital and give you a ballpark figure of what it might cost you

Thanks a lot! I’ll do that.

On 2/20/2018 at 4:50 PM, Astarisborn said:

Hey y’all. I have united health care choice plus. My deductible is $1750 and my max out of pocket is $5000. I have an endoscopy scheduled for April and the hospital told me I’ll have to pay $1900 because of my deductible and 20% coinsurance. So how much will I have to pay for the surgery up front? Will it all be billed to me because I’ve met the deductible with the endoscopy?

sorry if this is a silly question but I’m fairly young and don’t know anything about health insurance.

Ballpark math, if your hospital is contracted for the surgery at around $20,000 (this is pretty standard... Again, this is hospital contracted rate with insurance company, NOT charges), then you can guesstimate they'll ask for your 20% coinsurance which would be ~ $4,000.

Most hospitals ask/pressure for this payment up front, but don't require it if you don't have it available. You could ask them to bill you after insurance processes the claim. Also, if you DO pay up front, ask them for a discount for paying pre-surgery. A lot of hosoitals will give you a 20-30% discount for paying up front, but only if you ask.

Edited February 24, 20188 yr by BlueCrush

15 hours ago, BlueCrush said:

Ballpark math, if your hospital is contracted for the surgery at around $20,000 (this is pretty standard... Again, this is hospital contracted rate with insurance company, NOT charges), then you can guesstimate they'll ask for your 20% coinsurance which would be ~ $4,000.

Most hospitals ask/pressure for this payment up front, but don't require it if you don't have it available. You could ask them to bill you after insurance processes the claim. Also, if you DO pay up front, ask them for a discount for paying pre-surgery. A lot of hosoitals will give you a 20-30% discount for paying up front, but only if you ask.

Thank you so much for the advice! I will definitely try to get them to give me a discount. Thank you!!