Hey everyone. So I was notified today that my insurance approved my surgery!! I got an email From my surgeons office telling me what I would owe their office and of course that it would need to be paid at my pre-op appointment. She said that the fees from the hospital, anesthesiologist, and pathology would all come from the hospital and that they would be in contact. I haven't heard from them yet but I called my insurance and they told me that according to my benefits, everything at the hospital would be covered in full by insurance and that the money I owe to the surgeon's office is basically my deductible for the plan year.

Soooo my question, since I have a bad habit of always assuming the worst, if my insurance is incorrect, does the hospital require their payment up front as well or does that get billed after the whole ordeal?

I just want to make sure I've got all my Financial stuff good to go.....

My hospital portion was around 2500. They just wanted me to pay a portion. I paid 1000 the day before and then later after they sent the bill. Same with the surgeon and anesthesia fees. So it was about a month later sent to me.

So the hospital wanted sort of a down payment?

Sometimes if you pay your deductible in advance a hospital will give you a bit of a discount, I would ask the billing department before you pay anything if you can get such a discount.

Yeah, I took my son to the ER a few months ago and they told me I would get a 20% discount if I pay my co-pay immediately. That seemed generous, so I did. I know a lot of people don’t have the money to do that, but it’s something to keep in mind.

Ok yeah that makes sense. I suppose I will just need to be patient and wait to hear from them......

I had a deducible of $250. I was billed afterward

I called my insurance company beforehand and asked for specifics, down to which anesthesiologists were in network