My insurance pays 100% on an MRI after the 1500.00 deductable. Does that mean I will have to pay the Ded. 1st?

Question

Will I have to pay the 1500.00 before they cover any of the MRI cost?

Answer 1

Yes. You will pay all of the $1500.00. Then, your insurance will pay 100% for the rest of the plan's year.

Answer 2

Probably, but hard to tell without knowing the exact policy terms.

Answer 3

Yes you would

Meaning, if the cost of an MRI is say, $1300.  Your insurance company would "apply" it to your deductible, thus, your responsible to pay the $1300.

If the cost was say, $1700 for the MRI -same math - the insurance company would then pay the remaining $200.

For your further information, find out from your insurance agent or company, if the deductible is "per occurence" or "event"  (not likely) or per "calender year" (most likely).

Good luck.

Answer 4

Typically, you will go in for the MRI and pay whatever copay your insurance assigns for seeing a specialist/testing. Then, in about a week or two (after the lab has submitted the bill to your insurance company), you'll get a bill from the lab for your portion (deductible, plus anything else you may owe). You'll typically have the standard 15-30 days to pay this.

At least that's the way it works with my insurance company.

Answer 5

You will most likely just get a bill in the mail for $1500.