MaggieD
DP Veteran
- Joined
- Jul 9, 2010
- Messages
- 43,244
- Reaction score
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- Location
- Chicago Area
- Gender
- Female
- Political Leaning
- Moderate
Ah...no, Maggie.
What the article is saying is that when you go to your doctor's appointment, they will ask you for the co-pay and the cost for the blood test and any other treatment they expect to do until your deductible has been met...before the doctor will even see you.
You, on the other hand, came there expecting to pay only the co-pay, getting all the other stuff done and then getting a statement from your insurance company saying they were not going to pay for the treatment and stuff because your deductible had not been met and getting a bill from the doctor for the rest. By that time, payday has come and you have the cash on hand without having to dip into your savings to cover it.
Please pick up the quote from the article that says that. How would your doctor know if you had or hadn't paid your deductible? In addition! Your insurance company has negotiated rates from healthcare providers. Blue Cross pays a different amount than Nationwide, IOW. Just because the doctor bills $100 for a blood test in no WAY means that your insurance company is allowing that amount.
The way you guys are figuring it, it's going to cost you $5,000 to go to the doctor. :rofl