Alright, I’m confused: Do I have to pay this deductible or what?

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I’ve been trying my hardest to figure this out myself, but lo’ and behold here I am again coming to reddit for advice.

I’ll attempt to tl;dr: I work part-time and have just recently purchased my own health insurance. I chose a Bronze plan because $$, with a deductible of $4,700.

Recently, however, I saw a specialist (and likely will be seeing them regularly), and that one appointment alone was billed at $595 (yeah, crazy, ‘murica). It was to my understanding that one must pay the entire deductible before insurance starts kicking in (and that’s basically what my plan says), and since I haven’t paid any of it so far, I assumed I’d be responsible for the entire $595.

So cue me scrambling this past week trying to do the math to see if it would make more sense for me to upgrade to a Silver plan—more $$ per month, but lower deductible—when what do I receive in the mail but a bill from my doctor’s office, telling me that I only owe around $70: I was billed $595, the “allowed amount” was $190, and my insurance covered $120.

I mean, yeah, I’m relieved—but what gives? What is the “allowed amount”? Why did my insurance even cover any of it? And I guess I should just stay on the Bronze plan then, right? Right?!

Le sigh.

submitted by /u/boundwards
[link] [comments]
I’ve been trying my hardest to figure this out myself, but lo’ and behold here I am again coming to reddit for advice. I’ll attempt to tl;dr: I work part-time and have just recently purchased my own health insurance. I chose a Bronze plan because $$, with a deductible of $4,700. Recently, however, I saw a specialist (and likely will be seeing them regularly), and that one appointment alone was billed at $595 (yeah, crazy, ‘murica). It was to my understanding that one must pay the entire deductible before insurance starts kicking in (and that’s basically what my plan says), and since I haven’t paid any of it so far, I assumed I’d be responsible for the entire $595. So cue me scrambling this past week trying to do the math to see if it would make more sense for me to upgrade to a Silver plan—more $$ per month, but lower deductible—when what do I receive in the mail but a bill from my doctor’s office, telling me that I only owe around $70: I was billed $595, the “allowed amount” was $190, and my insurance covered $120. I mean, yeah, I’m relieved—but what gives? What is the “allowed amount”? Why did my insurance even cover any of it? And I guess I should just stay on the Bronze plan then, right? Right?! Le sigh.
submitted by /u/boundwards [link] [comments]Read Morer/HealthInsurance

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