My insurance plan is wonderful, I don't have a deductible, I've only paid co-pays for my appointments with my primary, my surgeon, and facilities. I've had surgeries before with this insurance and never once had an issue. Until now.

I just got a call from the hospital saying I owe them over $2400, which they were told by my insurance was a deductible. Knowing my plan as well as I do I figured my only hospital cost was $200 for my stay. They originally billed me $350 but because it was done at a Blue Distinction Center my co-pay was only $100/day. I don't have a deductible, I have an out of pocket max that will eliminate co-pays when I hit it but because our out of pocket costs are so low I never reach it. I downloaded all of my EOBs related to the approval process and surgery and kept a spreadsheet of what was billed, what insurance paid, and what my responsibility was. My numbers match what my insurance portal says.

My insurance company verified that I don't have a deductible and that they show I should only owe the hospital $200.

Just a heads up to keep track of EVERYTHING! especially if you don't want to pay more than you have to. I had a feeling something like this was going to happen.

very good reminder @ahillig. Seriously getting out of the blue bills and I'm still only pre-op....