For those who deal with health insurance deductibles etc.
My sister has BCBS Her plan is 80/20 with a max out of pocket of $4,000
She had to be hospitalized and basically paid $3,980 out of pocket (total up until Sep 1st) Then she had to have emergency surgery. Now BCBS claims she owes 20% on everything that was billed up until she hit the $4,000
So instead of her owing $20 (to hit the max out of pocket) they claim she owes like $1,500.
Has anyone ever heard of this? What should she do? She talked with BCBS and they said twice that's the way it works.
It may be more than $1,500 BTW - It's supposedly ALL invoices that came in prior to her hitting the $4k mark. So it's coming from lots of doctors etc.
My sister has BCBS Her plan is 80/20 with a max out of pocket of $4,000
She had to be hospitalized and basically paid $3,980 out of pocket (total up until Sep 1st) Then she had to have emergency surgery. Now BCBS claims she owes 20% on everything that was billed up until she hit the $4,000
So instead of her owing $20 (to hit the max out of pocket) they claim she owes like $1,500.
Has anyone ever heard of this? What should she do? She talked with BCBS and they said twice that's the way it works.
It may be more than $1,500 BTW - It's supposedly ALL invoices that came in prior to her hitting the $4k mark. So it's coming from lots of doctors etc.
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