It’s pretty confusing, but basically your insurance won’t cover much until you meet your deductible for the year. After that, your coverage depends on the policies of your insurance company. Some stuff may be totally covered, some partially, some not at all. And there’s really no way to know what costs what until you get it done.
This is the part that drives me bats. For any other service in any other industry you can get a quote first, but for some fucked up reason healthcare in America doesn’t work that way. The hospitals and insurance companies just do whatever the fuck they want, and you get to find out afterwards if you could have afforded it, i.e. after it’s too late. It’s such bullshit.
Indeed, I hate it when people are like “you shouldn’t pay that much, you need to shop around”. Assuming you even have multiple hospitals to choose from, tell me you don’t get “I don’t know” 9/10 times when you ask about the cost of a procedure.
It’s pretty confusing, but basically your insurance won’t cover much until you meet your deductible for the year. After that, your coverage depends on the policies of your insurance company. Some stuff may be totally covered, some partially, some not at all. And there’s really no way to know what costs what until you get it done.
This is the part that drives me bats. For any other service in any other industry you can get a quote first, but for some fucked up reason healthcare in America doesn’t work that way. The hospitals and insurance companies just do whatever the fuck they want, and you get to find out afterwards if you could have afforded it, i.e. after it’s too late. It’s such bullshit.
Indeed, I hate it when people are like “you shouldn’t pay that much, you need to shop around”. Assuming you even have multiple hospitals to choose from, tell me you don’t get “I don’t know” 9/10 times when you ask about the cost of a procedure.
you can absolutely ask the hospital for a good faith estimation.