Moxie Posted August 22, 2008 Share Posted August 22, 2008 I'm so confused. This is what it says on my insurance card: Individual In-Network Deductible $500 Family In-Network Deductible $1500 Individual In-Network Out-of-Pocket limit $2500 Family Out-of-Pocket limit $5000 So, I had to have a $3000 procedure in June. Will I have to pay $500 or $2500??? Quote Link to comment Share on other sites More sharing options...
Jennifer3141 Posted August 22, 2008 Share Posted August 22, 2008 What other claims have you had this year? The kids are on your policy? Jen Quote Link to comment Share on other sites More sharing options...
Snickerdoodle Posted August 22, 2008 Share Posted August 22, 2008 I think the deductible is a one time amount you have to meet per year. Then after that you have to pay copays, your portions, etc to a limit of 2500. Quote Link to comment Share on other sites More sharing options...
sleepy Posted August 22, 2008 Share Posted August 22, 2008 I think the deductible is a one time amount you have to meet per year. Then after that you have to pay copays, your portions, etc to a limit of 2500. :iagree: Quote Link to comment Share on other sites More sharing options...
Moxie Posted August 22, 2008 Author Share Posted August 22, 2008 I think the deductible is a one time amount you have to meet per year. Then after that you have to pay copays, your portions, etc to a limit of 2500. So, somewhere in between $500 and $2500?? Quote Link to comment Share on other sites More sharing options...
Faith Posted August 22, 2008 Share Posted August 22, 2008 I think the deductible is a one time amount you have to meet per year. Then after that you have to pay copays, your portions, etc to a limit of 2500. :iagree: This is how ours works. Quote Link to comment Share on other sites More sharing options...
Snickerdoodle Posted August 22, 2008 Share Posted August 22, 2008 Well, let's say for giggles sake that they pay 80% of the procedure and you pay 20%. That's your coverage. If you haven't met your deductible you would pay the first 500 then the insurance would pay 3000 x80% minus the 500 so 1900 Then you would have to pay your 20% so 600 so you would have to pay 500 deductible plus 600 (the 20%) = 1100 Those numbers are for giggles. I don't know the specifics of your policy. Quote Link to comment Share on other sites More sharing options...
Snickerdoodle Posted August 22, 2008 Share Posted August 22, 2008 The 1100 would then count towards your annual 2500 out of pocket limit Quote Link to comment Share on other sites More sharing options...
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