No Copay with new insurance??

Question

I just got a new insurance. It doesn't cover ANYTHING until $2,000 is paid. Then; it covers 100% of most things except medication.

The thing is I'm going to have surgery 7 days from when it becomes active (good timing; heh?). I was wondering; how does this work? B/c I know that the surgery costs will be well over $2,000. But I'll have to get pain meds immediatly after surgery, then a follow up visits in the next 2 weeks and Physical therapy. Will I have to pay these out of pocket or will I just tell them (doctors office, PT) I reached my deductible?

Answer 1

It will all depend on how quickly each facility bills your insurance. If the PT clinic bills your insurance before the hospital, you will most likely pay your deductible to the clinic.  However, if your PT clinic is like ours, we do our billing on a monthly cycle.   Therefore, you won't need to pay anything up front anyway.  Most MDs also wait for the response from your insurance before they collect from you.  So, until you actually see a bill, you cannot claim you've met your deductible. Just keep good records and receipts.  Whoever produces a bill first, I would pay them.  

Answer 2

I'm afraid that your new insurance won't pay anything.

If the new insurance is a group policy and you didn't have other credible insurance within 63 days before the effective date they probably won't pay because it's a pre-existing condition. If you did have other coverage they'll pay and the doctors office will know from your policy that you have no copay. They'll just file a claim with the insurance company.

If the new insurance is an individual policy they'll cancel the policy. No legitimate insurance company will accept someone with an impending surgery.