OOP Mac and deductible met
Good morning. This may or may not have been answered but wanted to hear from others who maybe understand or have more experience with benefits. Health insurance confuses the hell out of me.
I had my first child back in January of this year and this delivery cost $6,000 after insurance. I tried to call and settle for a one time payment but this hospital doesn’t do settlements so we paid it. My family plan is a $4,000 deductible and $10,000 out of pocket max. After a long year of many doctors visits and a hospital visit in between. I’ve met my deductible and OOP max for the family.
Our second child is due in the next couple of days and was just wondering what I could expect on my insurance covering this assuming it’s a normal delivery like last time. Something along the lines of partial coverage from my insurance? Or should I expect a full bill of roughly $6,000 again? I have had plenty of people tell me this delivery should be close to nothing for me to pay since I’ve met the deductible and OOP max. Just don’t want to be blind sided and if someone could explain better, that would be a great help. I should have prefaced this with my provider is United Health Care through my employer and our coinsurance is 30%.
submitted by /u/Equivalent-Nerve8506
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