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Reply With QuoteI think most will let you work something out, if you can put half of their charge down prior to surgery. You usually have to put at least half down at the hospital too.
This is a discussion on Health Insurance Deductibles within the Health Insurance forums, part of the Insurance and Travel Forums category; I am looking into getting surgery on my back and had a couple questions for some of yall that may ...
Health Insurance Deductibles I am looking into getting surgery on my back and had a couple questions for some of yall that may have had surgery. I have United Healthcare insurance. I am just in the beginning process of finding everything out. I have 600 dollar deductible and 2000 dollar Out of pocket maximum for which I have No money applied to it this year. I could probably come up with 800 bucks to pay up front. My question is, do the doctor's office's work with you on the remaining balances? Can you set up a payment plan, or do you have to do the Care credit thing? I don't have the 1200 dollars to pay all at once and it would be a shame that I couldn't get surgery until I come up with it, but unfortunatley I am sure some of yall have had this problem, so any help you can provide would greatly be appreciated.
Re: Health Insurance Deductibles I think most will let you work something out, if you can put half of their charge down prior to surgery. You usually have to put at least half down at the hospital too.
31 years old-
1/06- In wreck with 18 wheeler at 25 years old; 6/06- Head on collision on Interstate, both wrecks other drivers fault. Numerous MRI's, PT, chiropractic, acupuncture, TENS therapy, massage therapy, facet injections, epidural injections, Nerve study, Discogram, confirms pain in L4/5, IDET, decompression, Bi-lateral neurotomy L3/4/5, denied by insurance twice, in Active L clinical trial, had surgery March 17, 2009 in Miami, FL- received Active L disc at 29 years old. Pain and medication free as of October 2010!
Mommy to Emma- 8 years, Ava- 5.5 years & had baby Eli after ADR, via c-section on March 25, 2011, completely pain free still!
Re: Health Insurance Deductibles I cant say my situations apply to all but for my shoulder surgery in 08 I didnt put anything down and of course once the hospital billed my ins that hit my cap and I never even saw a bill from the surgeon or PT. For my 2 level ALIF 2 months ago the doctor office checked with my ins and said I would be responsible for 2,300 and they wanted that as a deposit. I argued with them that the dollar figure will be much different when it comes time for them to bill (which I wouldnt put down and wait for reimbursement) and depending on if the hospital bills before them I might not owe them anything. So I refused to put down the deposit and to wait and see. Which worked out well because I only owe them 1,300 and they agreed to 50 dollars a month. Which I could have done more but I figured I'd set a low requirement and then exceed expectations versus getting a high monthly payment and have trouble keeping up. The doctor offices are usually pretty good about working with you ESPECIALLY if you have something to give up front.
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