Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
if you paid a deductible say in January on one plan then on 5/1 you get a new plan do you have to pay again the deductible on a new plan for services that require you to pay the deductible? this is only theoretical it hasn't happened to me yet but just wondering if it does how it works
Highly unlikely that you can do that. The deductibles are part of how a company prices out the plans. If you don't pay that deductible, you really aren't paying your share of the cost of the plan (assuming you have medical bills that require you to pay the deductible).
Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
44,057 posts, read 80,100,596 times
Reputation: 56834
The deductible is part of the provider plan, so will not go over to another provider. The good news is that your annual maximum will start over, as will some limits. For example, if you are allowed to buy new glasses every other year and just bought a pair under the old plan, you may be able to buy a new pair right away in the new plan.
What is your situation, exactly? Have you a private plan and thinking about switching? Are you talking about a group plan? We're shooting fish in a pond here, without more details.
I will need petscans every 3 months for the next 2 years as i had a melanoma removed in surgery and tho i am ok with no cancer cells found on biopsy, petscans are necessary because melanomas can come back
i fulfilled my medical deductible for this year of $2000. my new plan started on 5/1/12.
my ins company told me next year i will have to pay another deductible to do the other petscans(already had one 7 more to go)
since my employer is always switching plans this is why i asked but sometimes they will continue us on the same plan
no matter which plan we have on 5/1, my current plan goes out on 4/30
so if i continue with my current plan on 5/1/13, will i have to pay ANOTHER deductible on 5/1/13 in addition to the one on 1/1/13?
Deductibles are usually figured on a calendar year basis. However, since your employer routinely changes carriers in May, your deductible is probably assigned to the current carrier 5/1/12-4/30/13. You should ask your employer's HR dept. how deductibles are calculated, since they are not switching plans on a calendar year basis.
It all depends on when you satisfied that $2,000 deductible - before 5/12 or after 5/12?
If you had your PET scans before 5/12, then, yes, you probably will have to satisfy a new deductible between 5/12-4/13.
If you had your PET scans after 5/12, there should be no further deductible until 5/13.
It really depends on the agreement the insurance carrier had with your employer. It sounds like you are on a May-April deductible period, but you need to verify that. In 52 years of employment, I have never had an employer who changed carriers in May. It was always done at year-end, so the deductible period was Jan.-Dec.
Last edited by Ariadne22; 10-20-2012 at 03:54 PM..
I will need petscans every 3 months for the next 2 years as i had a melanoma removed in surgery and tho i am ok with no cancer cells found on biopsy, petscans are necessary because melanomas can come back
i fulfilled my medical deductible for this year of $2000. my new plan started on 5/1/12.
my ins company told me next year i will have to pay another deductible to do the other petscans(already had one 7 more to go)
since my employer is always switching plans this is why i asked but sometimes they will continue us on the same plan
no matter which plan we have on 5/1, my current plan goes out on 4/30
so if i continue with my current plan on 5/1/13, will i have to pay ANOTHER deductible on 5/1/13 in addition to the one on 1/1/13?
Your employer can only switch plans at the end of their plan year. That date is going to vary with each company but if they are on Plan A this year, they can't switch to Plan B until the end of this cycle so you would not have to pay 2 deductibles in one year. If you have an option to take a tax qualified high deductible plan, I would suggest you look into that option because most likely your out of pocket expenses right now are not tax deductible, with contributions to an HSA plan, they would be, which means an additional savings on your taxes each year.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
