My mom has been going through some serious health issues and quickly reached the $500 deductible and $3000 out of pocket max.
The enrollment period was a few weeks ago and at that time we found out the deductible was going to be raised to $1000 and the out of pocket to $4500.
Today October 1, her account states that she has reached neither and must spend an additional $500 to reach the deductible and $1500 to reach the out of pocket max. At first I though her plan year started in October but her account specifically says the coverage period is October 1 to December 31 only.
If this was the start of a new plan year this would be acceptable as anything paid would benefit her for the next 12 months but from this it looks like she will be paying $1500 only for that to reset in 2 months.
Can they change terms like this?
submitted by /u/Passportlocklifted
[link] [comments]
My mom has been going through some serious health issues and quickly reached the $500 deductible and $3000 out of pocket max. The enrollment period was a few weeks ago and at that time we found out the deductible was going to be raised to $1000 and the out of pocket to $4500. Today October 1, her account states that she has reached neither and must spend an additional $500 to reach the deductible and $1500 to reach the out of pocket max. At first I though her plan year started in October but her account specifically says the coverage period is October 1 to December 31 only. If this was the start of a new plan year this would be acceptable as anything paid would benefit her for the next 12 months but from this it looks like she will be paying $1500 only for that to reset in 2 months. Can they change terms like this?
submitted by /u/Passportlocklifted [link] [comments]Read Morer/HealthInsurance