Re: Just had my penis "de-sleeved" during operation
Posted: Mon Jun 13, 2011 5:21 pm
Okay, I got the information about what they paid. It turns out that they also negotiated on my behalf. In other words, I paid 10% of a reduced amount. The math does work out. They only negotiated it down 5% though, so I thought I was missing out since on the web it says that insurance companies will negotiate it down more like 40%.
The other thing that makes it more palatable is that I hit my yearly maximum out-of-pocket amount, which is good because I may have other surgeries coming up.
I guess the max out-of-pocket is sufficient protection financially. It still was more than I was told to expect, but I guess it is not open-ended which is what I was scared of.
It also means that negotiating my portion down further has limited value -- if I negotiate it down, I'd just have to pay more out of pocket again later for my next procedure.
So if I have to have any surgeries, guess I should schedule them this year.
But thanks for the advice. This was the first major medical insurance claim I'd had in the US. I'm used to the Canadian system where you don't even see the bill at all. Here it is a full-time job watching for and managing these bills -- just had to send in a payment for $2.76 for a blood test ...
The other thing that makes it more palatable is that I hit my yearly maximum out-of-pocket amount, which is good because I may have other surgeries coming up.
I guess the max out-of-pocket is sufficient protection financially. It still was more than I was told to expect, but I guess it is not open-ended which is what I was scared of.
It also means that negotiating my portion down further has limited value -- if I negotiate it down, I'd just have to pay more out of pocket again later for my next procedure.
So if I have to have any surgeries, guess I should schedule them this year.
But thanks for the advice. This was the first major medical insurance claim I'd had in the US. I'm used to the Canadian system where you don't even see the bill at all. Here it is a full-time job watching for and managing these bills -- just had to send in a payment for $2.76 for a blood test ...