Hello.
My daughter has ad frequent ear infections since she was born. She's currently 14 months old. We were finally able to get into an ENT who informed us that she has lots of fluid behind her ears and had mild to moderate hearing loss and will need tubes.
After a few days the nurse who schedules surgeries called my wife. My wife asked if she knew how much it would cost, the nurse said she wasn't billing and couldn't tell her for sure but that it would be a few thousand dollars and if she couldn't pay before they would not proceed.
My wife then messaged her insurance company who told her to expect to pay anywhere from 2600-3000 (essentially her deductable plus some copay).
I remembered that the doctor said something about setting up a payment plan, but my wife believes that the payment plan would have to be set up and paid off before surgery. Her only surgery though has been with her pregnancy and they made her set up a payment plan leading up to the birth. To me, that felt different since that was preparing something and even then we had 8ish months (the person did tell her that if she couldn't make the payments she would have to find another facility, which feels kind of rude). She is primarily using Kelsey seybold.
This on the other hand, is something I don't believe is able to be just pushed off. To me it would make more sense to maybe pay something small up front and set up payment after (especially since the doctor said her ears are small, and that while he thinks he can do it, there has been one case where he couldn't. So why why would I pay 3 grand up front for a surgery that may or may not happen?)
I've tried looking into it, and find conflicting information. I have read that lots of officers do require the full deductible payment upfront before billing. So I'm not really sure.
I know there's care credit or just opening a credit card. But that's the last thing I want to do, especially when my credit isn't great. But at the same time, it feels like negligence to just let my daughter go deaf when it could have been prevented.
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