Hello my fellow sufferers of the American Healthcare System! I was a question regarding an upcoming surgery—
My deductible is $3,000 and OOPM is $5,000, and I have hit neither of these this year. I have an in-network, covered surgery coming up and the hospital has estimated the cost to be $3,000, including hospital, anesthesia, and physician fees.
I’m wondering if there will be additional charges post-op of $2,000 (difference between deductible and OOPM), or, based on the estimate, my entire cost will be $3,000. I’ve not had a surgery since getting off my parents’ insurance years ago and I’m just a bit confused by the estimated cost of surgery vs. what is actually paid.
Thanks in advance and let me know if I need to clarify anything.
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