Okay, lemme lay it out for y’all:
I likely need surgery. My doctor told me that prior to surgery it might be a good idea to get a CT scan, and when I asked him how much it would be he said he didn’t know.
I looked into it, it is $400. So, I went and got this done yesterday because I was feeling anxious about it. Of course now my doctor is like oh lol I didnt realize it was so expensive maybe you should have waited. Little late there pal.
But I wanna know something…
So my deductible is $600 and I have already met $400 of it.
If I get the surgery, it will probably be around $1000, meaning the surgery alone would excede my deductible and my insurance would start paying. Hypothetically, if I never got that $400 scan, would my costs still be the same? Like… now I am likely going to pay about $1000 for this surgery. If I had just scheduled the surgery instead of getting the scan, I would still meet my deductible of $600 and THEN the coinsurance kicks in, meaning I would pay (in my case) 10% of all costs.
So what I wanna know is… did I get fucked over? Or are these just different means to the same end (cost)?
submitted by /u/chibihomo
[link] [comments]
Okay, lemme lay it out for y’all: I likely need surgery. My doctor told me that prior to surgery it might be a good idea to get a CT scan, and when I asked him how much it would be he said he didn’t know. I looked into it, it is $400. So, I went and got this done yesterday because I was feeling anxious about it. Of course now my doctor is like oh lol I didnt realize it was so expensive maybe you should have waited. Little late there pal. But I wanna know something… So my deductible is $600 and I have already met $400 of it. If I get the surgery, it will probably be around $1000, meaning the surgery alone would excede my deductible and my insurance would start paying. Hypothetically, if I never got that $400 scan, would my costs still be the same? Like… now I am likely going to pay about $1000 for this surgery. If I had just scheduled the surgery instead of getting the scan, I would still meet my deductible of $600 and THEN the coinsurance kicks in, meaning I would pay (in my case) 10% of all costs. So what I wanna know is… did I get fucked over? Or are these just different means to the same end (cost)?
submitted by /u/chibihomo [link] [comments]Read Morer/HealthInsurance