- Mar 23, 2012
- Reaction score
Today i wasnt charged $900. Which was the charge back in may for this same test. So i am hoping that means my insurance starts helping more once i reach my deductible. I find it very confusing to be honest. All i paid today was the co-pay. Unless they call me up later to charge me. lololHuh, yeah, that's really confusing and I'm not sure what the difference is between the deductible and out of pocket. It almost sounds like once you meet the $1500, then the next $1500 would be taken out of the stuff you've already paid/that's been taken out of your paycheck? I mean, I would assume your biopsy would fall under that diagnostic laboratory (I could be completely wrong - it just seemed to fit best), which I see would have a $60 copay after the deductible, so would that mean each one is only $60 once you meet that $1500, and have they been charging you for the whole thing thus far in previous bills without any adjustments or insurance putting anything in? I feel like your family should be willing to put in a bit toward your medical bills if you need the help, though - it's not like it's money being spent frivolously.
Anyway, best of luck tomorrow! I hope you get good news.
Not the best news. My uterine lining is less thick, but it is still thick. Doctor wants to increase my medication and we discussed potentially doing the procedure i did last year. A deeper scrapping of my lining under anesthesia. We are waiting for biopsy results to see if the cells are at least changing back to normal. Feel so down now, i was hoping he would see a big improvement.
Not sure why but i found the d&c more painful than normal. With this doctor its usually not to bad, but i yelled out in pain today. Not sure what is different. Just waiting for results now, but feeling really discouraged.
Oh, your insurance looks like mine. It has a Health Savings Account that your employer pays into. That covers half your deductible. You shouldn't have to pay more than $750 toward your deductible unless you've used your Health Savings Account on other stuff (I can use it on vision and dental care, too, so that would cut into the medical deductible). After the deductible, you should only have to pay co-pays and random stuff they don't cover, and your out-of-pocket maximum is $3000, after that they cover everything. Also Women's Health is covered 100%. It's good insurance! Go to the doctor!
Here, I think this explains out-of-pocket maximums pretty well. It's good news! You'll never have to pay more than $3000 a year for your health care, even if you have to get some really complicated surgery (unless you do something that isn't covered, like IVF or elective surgery). And your co-pay for inpatient hospital care is $300, so it would take quite a lot for you to reach that $3000 maximum.
Mental health services are also pretty well covered, if you need them .
Im so confused now. I have a d&c/biopsy every 3 months. I am always charged $800-900, this time i was only charged the copay $60. so far i have spent 1265$ so i have almost reached my deductible.How much have you paid out-of-pocket so far this year? (Don't feel like you have to answer if that's too nosy, I'm just trying to see if I can help figure out how much more you have to go before coverage kicks in).
Does that mean my insurance will start covering my exams more, once i reach my deductible? its just very confusing. It took me so long to pay for this same exact test that i did on May.
Took this from the article:
Out-of-Pocket Maximum vs. Deductible
An out-of-pocket maximum differs from the plan's deductible. Amounts you pay for covered services go toward your deductible first. That's the amount you must pay before your insurance kicks in.
Once you meet the deductible, you may be responsible for a percentage of covered costs (called coinsurance). These payments help you meet your out-of-pocket maximum. Once you reach that amount, the insurance plan pays for 100% of covered expenses.
I hope that means my insurance starts helping more at this point. That would be a relief that i dont have to have $3000 every single year on hand.