I've got a question about how deductables and co-pays work.
$500 medical deductable.
$250 hospitalization deductable.
I have a facility billing me for the medical deductable, minus three $30 co-pays that I've paid at the time of my appointments...which makes it appear that co-pays DO count towards lowering the deductable. I have since paid more co-pays to this facility and I am unclear how they are charging me for this deductable when I have used other facilities, making co-pays, and they (the other facilities) have not charged me for portions of the $500 deductable. Why should this facility get the entire deductable when I've patronized other facilities, too? Don't the other facilities have a right to a piece of my deductable pie? Also, if my co-pays for all doctors, facilities and Rx's total more than the deductable at the time they 'charged' me for it, am I still obligated to pay the full deductable amount?
I just don't see how that works.
I mean, I could better understand if at the 1st of the year I had to pay out-of-pocket for everything (full price) until I had reached $500 and then insurance kicked in...but this just seems so...arbitrary. This is the first time I've EVER been billed for a deductable! We've been with this insurance provider for 7+ years. I've been being seen at this particular facility (who is billing for the entire 2008 deductable) for almost 4 years.
I will be calling my Insurance provider tomorrow morning to see if they can explain it to me. Or maybe I should call our employer's Human Resources liason?
Does anyone have some insight or an explanation I could understand?
I have the ability of single-minded determination and accurate project focu....Hey, look, a cat!
Crohn's and UC are pretty darn crappy, but if you can't laugh at yourself, you'll cry.
I'd much rather laugh.
2001 Dx'd with UC. No remission. 5/2008 surgery, removal of 6" of left side colon. Dx changed to Crohn's. Remission for 8-9wks after surgery, symptoms returning after resuming 6MP.