Depends on your deductibles and what you suppose to pay after meet deductibles, Let’s say your deductibles are $3k and your co-pay is 0% after meet the deductibles then you may not necessarily meet your out-of-packet unless certain services are not covered.
If your out of pocket is 8k then you will be charged around that amount
We didn’t hit OOP max, total around 5k
you’ll probably hit your OOP max, but most hospital systems are really slow to bill and are totally fine with very long payment plans. I’ve been paying a couple hundred bucks /mo on our delivery bills for over a year now. so don’t worry too much about having the cash ready, better to save it for other stuff.
Depending on your insurance, to be honest..Original bill will be very much high for sure. So depending on your insurance limits you will be paying the amount. Original bill before insurance was 90k something for us but with insurance we paid around 3k something. Please ping me if you need any info
Thanks. Really appreciate your quick response. I have a high out-of-pocket so i am worried. Did you hit out-of-pocket max limit?
Yes, ooo was around 3k so we paid till then and insurance covered the rest. We took the lowest as we are expecting a baby.. Make sure you go to in-network care and your hospital or doctor sends any pre-auth required for some services.