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I Understand Deductibles, OOP,Copay, Coinsurance, etc..
Question Is, If You Have My Family Has A 13,700 Deductible / 6500 Individual And Say I Goto The Hospital And Need A Surgery And Its $7000For Example, Do I Need To Pay That $6500 Out Right Than And There, Or Is That $6500 Billed To Me And Than Counted Towards My Deductible Assuming It's A Nonemergency Type Of Surgery? And Is The Situation Any Different For An Emergency Situation?
You really should discuss this with your insurance , and not on here. Whether or not the hospital will take payments for the $6500 is something we would not be able to answer. Call the hospital's billing dept. and talk to them about this also. Get as much information as possible, since a $7000 bill is nothing to sneeze at.
I Understand Deductibles, OOP,Copay, Coinsurance, etc..
Question Is, If You Have My Family Has A 13,700 Deductible / 6500 Individual And Say I Goto The Hospital And Need A Surgery And Its $7000For Example, Do I Need To Pay That $6500 Out Right Than And There, Or Is That $6500 Billed To Me And Than Counted Towards My Deductible Assuming It's A Nonemergency Type Of Surgery? And Is The Situation Any Different For An Emergency Situation?
It depends on how your plan is structured. Most likely you have an individual deductible so you would get billed for the $6500 and then whatever percent of the rest for your co-insurance but not always. Read your documents and see if it says embedded or not-embedded. If it is embedded, you have the $6500, if not, you have the $13,500. There should be no difference between emergency or non-emergency unless you go out of network for your care for the non-emergency.
I Understand Deductibles, OOP,Copay, Coinsurance, etc..
Question Is, If You Have My Family Has A 13,700 Deductible / 6500 Individual And Say I Goto The Hospital And Need A Surgery And Its $7000For Example, Do I Need To Pay That $6500 Out Right Than And There, Or Is That $6500 Billed To Me And Than Counted Towards My Deductible Assuming It's A Nonemergency Type Of Surgery? And Is The Situation Any Different For An Emergency Situation?
How long does it take you to type your post when you capitalize every word?
It depends on how your plan is structured. Most likely you have an individual deductible so you would get billed for the $6500 and then whatever percent of the rest for your co-insurance but not always. Read your documents and see if it says embedded or not-embedded. If it is embedded, you have the $6500, if not, you have the $13,500. There should be no difference between emergency or non-emergency unless you go out of network for your care for the non-emergency.
This only applies to tax qualified high deductible plans though....but usually co-pay type plans already have this structure.
The federal regulations do not say anything about it having to be a tax-qualified plan.
Quote:
The annual limitation on cost sharing for self-only coverage applies to all individuals regardless of whether the individual is covered by a self-only plan or is covered by a plan that is other than self-only.
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