27, 80202, 80k USD/yr – Started a new job late last year and took the HSA plan that was offered – monthly payments were lower and from all accounts it saved people money year-over-year. The company switched to a new insurance company in the new year, after I hurt my back visiting home for the holidays and receiving a $2300 hospital bill. But since that’s on the old insurance there’s not much I can do.
I stuck with the HSA under the new healthcare provider – $2500 deductible and about half the monthly payment as a ppo plan. Sounded great! Then I broke my wrist. Then I needed surgery so I would heal properly. Now, before it’s even healed, I need to consider the cost of physical therapy. I had to pay ~$3300 out of pocket, up front, for the necessary surgery. I was not offered a payment plan or anything similar. I think it’s so I’ll hit the deductible. Then after surgery I go to the physical therapist to get my post-op splint off and get a new splint made and I need to pay $290 for the new splint and $120 for the visit? Up front? With no warning? What happened to the $3300 i paid 2 days before? How does any of this work? I’m so frustrated and confused. I took out a loan to pay for the surgery so I can use my hand in the future and I just keep getting hit with massive costs. Please help.
submitted by /u/ocsob25
[link] [comments]27, 80202, 80k USD/yr – Started a new job late last year and took the HSA plan that was offered – monthly payments were lower and from all accounts it saved people money year-over-year. The company switched to a new insurance company in the new year, after I hurt my back visiting home for the holidays and receiving a $2300 hospital bill. But since that’s on the old insurance there’s not much I can do. I stuck with the HSA under the new healthcare provider – $2500 deductible and about half the monthly payment as a ppo plan. Sounded great! Then I broke my wrist. Then I needed surgery so I would heal properly. Now, before it’s even healed, I need to consider the cost of physical therapy. I had to pay ~$3300 out of pocket, up front, for the necessary surgery. I was not offered a payment plan or anything similar. I think it’s so I’ll hit the deductible. Then after surgery I go to the physical therapist to get my post-op splint off and get a new splint made and I need to pay $290 for the new splint and $120 for the visit? Up front? With no warning? What happened to the $3300 i paid 2 days before? How does any of this work? I’m so frustrated and confused. I took out a loan to pay for the surgery so I can use my hand in the future and I just keep getting hit with massive costs. Please help. submitted by /u/ocsob25 [link] [comments]Read Morer/HealthInsurance