Coinsurance and Out of Pocket Max

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I have to receive an infusion for a chronic disease I have. I began receiving them this year AFTER I’d reached my out of pocket max, so I never paid anything. When the year begins, my insurance obvs starts over. The treatment is billed as 60,000. My coinsurance is 10% on covered treatments, deductible is 400, and my out of pocket max is 2,200.

So when this bill hits, I will pay the full 400, and 10% of 60k is 6,000. Does this mean this treatment will cost me 2,200, or is there any reason I’d be on the hook for 6,000? I’ve seen on Reddit that sometimes there’s a loophole with a “single bill” and I’d still have to pay the full coinsurance.

Thanks!

submitted by /u/invaderzimm95
[link] [comments]
I have to receive an infusion for a chronic disease I have. I began receiving them this year AFTER I’d reached my out of pocket max, so I never paid anything. When the year begins, my insurance obvs starts over. The treatment is billed as 60,000. My coinsurance is 10% on covered treatments, deductible is 400, and my out of pocket max is 2,200. So when this bill hits, I will pay the full 400, and 10% of 60k is 6,000. Does this mean this treatment will cost me 2,200, or is there any reason I’d be on the hook for 6,000? I’ve seen on Reddit that sometimes there’s a loophole with a “single bill” and I’d still have to pay the full coinsurance. Thanks!
submitted by /u/invaderzimm95 [link] [comments]Read Morer/HealthInsurance

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