Most likely need another shoulder surgery, don’t want to get screwed over

I don’t know if I’m overreacting, but maybe I just need a peace of mind. I don’t have a lot of experience understanding insurance things, and could use some help making sense of this. Several years ago, I had a Labrum arthroscopy to fix instability in my left shoulder (through my parent’s insurance), but I’ve ended up dislocating it again a few times in the last two years, which has brought the instability back. I’m able to stay pretty active despite it, but I know I could do so much more if it were fixed again, which will most likely be through another surgery. Even though I now have insurance through my employer, I’ve been scared of pulling the trigger because managing the insurance side of all this is daunting to me. The most I’ve done through my insurance company is get my wisdom teeth pulled, which is far less complicated than a shoulder surgery (factoring in a possible inpatient stay depending on the severity of the surgery). I’ve heard several stories of people getting screwed over by their insurance companies, and I don’t want it to happen to me. My plan has a $2.5k deductible and $6.5k out-of-pocket maximum, with me paying 0% for surgical procedure and $35 per physical therapy session after deductible is met. I have more than $6.5 saved up, but is there a chance I will be paying more than expected? If so, how can I lessen the financial impact?

submitted by /u/tourdedance
[link] [comments]I don’t know if I’m overreacting, but maybe I just need a peace of mind. I don’t have a lot of experience understanding insurance things, and could use some help making sense of this. Several years ago, I had a Labrum arthroscopy to fix instability in my left shoulder (through my parent’s insurance), but I’ve ended up dislocating it again a few times in the last two years, which has brought the instability back. I’m able to stay pretty active despite it, but I know I could do so much more if it were fixed again, which will most likely be through another surgery. Even though I now have insurance through my employer, I’ve been scared of pulling the trigger because managing the insurance side of all this is daunting to me. The most I’ve done through my insurance company is get my wisdom teeth pulled, which is far less complicated than a shoulder surgery (factoring in a possible inpatient stay depending on the severity of the surgery). I’ve heard several stories of people getting screwed over by their insurance companies, and I don’t want it to happen to me. My plan has a $2.5k deductible and $6.5k out-of-pocket maximum, with me paying 0% for surgical procedure and $35 per physical therapy session after deductible is met. I have more than $6.5 saved up, but is there a chance I will be paying more than expected? If so, how can I lessen the financial impact? submitted by /u/tourdedance [link] [comments]Read Morer/HealthInsurance

Leave a Reply

Your email address will not be published.