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catrape911 | If my insurance applied an amount of money towards my yearly deductible, do I still owe the doctor the amount? |
I received a bill in the mail stating that an amount of $119 was applied towards my yearly deductible as per my insurance. Now, it looks like a bill and shows a remaining balance of $119 still. My insurance claim form states that I "may" owe the doctor the balance. That makes zero sense to me if it were to be applied to my deductible. What's going on here? I am not great with the insurance stuff. |
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mel
|
you pay the deductible, not the insurance company. often times it's 500 dollars BEFORE your insurance kicks in. |
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sarah314
|
The insurance company did not pay the doctor any money.
You owe the doctor $119. The insurance company credited $119 towards your deductible, with the understanding that you would pay the doctor that amount.
(Deductible is what is owed before your insurance kicks in - if something is applied to your deductible, you are responsible for paying that amount to the medical providers.) |
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Reena
 |
You have to pay the yearly deductible first before your insurance pays for anything.
What they did is take the $119 that you will pay the Dr. and applied it to your deductible. Once you pay the Dr. the $119 your overall remaining deductible for the year is $119 less.
Let's say your yearly deductible is $500. This means the first $500 in medical bills that you have in a year are coming out of your pocket.
Every time the Dr. sends a bill to your insurance Co. they check and see how much you already paid on your yearly deductible.
Then they reduce that deductible amount by the bill they got from the Dr. and basically tell you to pay the $119 until you have paid the whole deductible amount for the year. After that they will start paying their part.
You pay the $119 because you haven't paid the whole deductible amount in the year yet. |
|
es
 |
That is your out of pocket expense that you owe to the doctor. An amount applied toward your deductible is not paid to the doctor by the insurance company. Your deductible is the amount YOU pay. |
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peaches6
 |
If it wasn't a statement but a bill . . . call your insurance company if you don't understand it and ask. Good Luck! |
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bud68
|
You have to satisfy the annual deductible before the insurance "kicks in." |
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rtrdrn
|
Your insurance company did not pay the Dr. anything. You owe the Dr. the amt. of his bill. After you have paid out the amount of your deductible then the insurance co. will start paying your provider some or all of your covered expenses. For instance if you have a policy with a $500.00 deductible then the insurance co. will start paying after you have put out $500.00 for your medical expenses. After that the company will pay your medical provider the percentage of the bill that was stated in your policy (80%, 100% or whatever the policy states). If that percentage is not 100% then you will owe the provider the rest. For instance if the percentage the co is responsible for is 80% then you will have to pay your provider 20% of his bill. |
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itchy bee
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Did you pay the 119? Deductible is the amount you pay before your insurance kicks in money and if the bill was sent to your insurance carrier they would assume you were to pay the doctor and the amount would be applied to your deductible. If you wrote the doctor a check for the 119 already I would disregard what looks like a bill from the insurance company - if you have not, pony up now. |
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debijs
|
~~The $119.00 was applied to your deductible-which means the amount the doctor received was $0. Therefore your doctor is billing you for the $119.00 now.
You insurance company should have provided you an explanation of benefits (EOB). This will clearly show you what they are requiring you to pay the doctor. If you did not receive this, then call your insurance company and request it.
The reason is that sometimes there is a contracted rate between the insurance and the doctor, and you want to be certain you are being billed the correct amount. So call your insurance company, they can verify the doctor bill is correct before you pay them.~~ |
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Kay
|
Medical insurance's deductible is set at certain amount depending on your insurance. For example, your ins. co.'s deductible on doctor's visit was set at $1,000. It means that the insurance co. will not pay your doctor up to $1,000 of your doctor's bills. They keep applying your bills up to $1,000. Any amounts over $1,000 on doctor's bills will then be paid by your insurance co. Until that time, you have to pay out of your pocket (up to $1,000 in this example) So, look at your statement from the insurance co. and find out the amount of accumulated deductible amounts the insurance co. applied against your deductible. If it's below the amount of deductible set by the policy, you continue to pay the doctor until your bills reach over that amount. Any amount over the deductible limit, insurance co. will pay the bill.
It appears that you are a bit confused about the meaning of the "deductible" in insurance terms.
Hope the above clarified the issue. |
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sunflowers
|
Call the doctor's office billing department and ask them. It should be zero now, but maybe they haven't caught up to crediting the deductible yet or maybe they have overlooked it if they are jammed with work. |
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mbrcatz
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You ABSOLUTELY owe the doctor the balance.
The deductible is, how much YOU have to pay, to the doctors, before the insurance starts paying anything.
If your deductible is $500, the first $500 in bills you send them, will be "applied" to the deductible. Meaning, YOU have to pay them.
That's what "applied to your deductible" means. |
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