Question about united health care insurance.?

Question

I am 6 mo. pregnant now and have already paid the $1500 deductible that I was asked to at one of my doc visits. Is that all I will have to pay? Are there hospital fees that I will have to worry about now? I am having a c-section (had one with 1st child) so I will be in the hospital for 3 days so I would kinda like to know but I can't find any help on their website and I never have the time to sit on hold and wait for a representative. Anyone have any clue?

Answer 1

Just refer to your policy, once you meet the deductible then you usually have a co insurance of 20% up to your out of pocket maximum. Your out of pocket maximum usually includes your deductible, I would expect you to have an out of pocket max around $3,000 to $4,500

Answer 2

In reality, this is the last place you should be coming to find an answer to those questions. You need to get on the phone with your insurance company, no matter what it takes, and ask them what your policy says. First of all, if you are seeing a contracted provider of services, you shouldn't be paying your deductible up front to them. You are all ready sounding like you are heading for a financial nightmare. The answer is YES, you will have to pay more, but the only caveat I make in saying that is only you can find out what your insurance plan says you will need to pay, and only a United Rep can tell you.

Answer 3

normally once you've met your deductible your insurance will then cover a portion 80 percent of the rest of the fees . . . my 1st son cost 1800.00 after a 500.00 deductible he was a c-section, my 2nd son we had no insurance and he was c-section he cost 2600.00 at the same hospital and doctor.  Personally I feel it is cheaper to file with your insurance for a reimbursment than have the doctor and hospital file for you.

Answer 4

It depends on your benefit package.  Most insurance plans that have a deductible also have a co-insurance (such as they pay 80% or 90% of the "billed amount" or the "allowed amount" and the insured pays the 20% or 10% difference).  Though in some instances there will be 100% plan coverage.  If there is a co-insurance with your plan you will end up paying the co-insurance balance to the hospital for your stay, and there will also be anesthsiology charges, etc.  You could contact your employer (or the insured's employer) if you don't have time to stay on hold with United Healthcare.  I work as a medical biller and have found that United Healthcare outsources most of their customer service calls and it is quite difficult to understand what they are saying anyway.