I admit I don’t know squat about insurance deductibles,
out-of-pockets costs or even co-insurance.
These terms are all Greek to me and I have no idea what kind of impact
they have. So after talking with a
business lady at Texas Oncology, I decided to look at my plan again. All my rates/amounts look normal, except that
my out-of network deductible and out-of-network out-of-pocket limits have been
met. I called the insurance company to
ask about this and what it means. In
short terms, since these limits have been met, the insurance company now pays
at 100% of all of my out-of-network visits/procedures/appointments/etc. So apparently, all the doctors I have been
seeing in Dallas are all considered out of network – So any time I go see a
doctor in Dallas in the future, the insurance covers it 100%! I don’t have to pay a copay and any bill from
the office is covered! This is a huge
weight being lifted off my shoulder and I think I almost cried when she told me
that.
Of course that doesn’t erase any of the previous balances I
racked up, nor does it include anything the insurance won’t cover, such as home
medical equipment. I still have close to
a $15,000 office bill due with the doctors in Dallas that accumulated before I
hit my out-of-pocket limit, so I will still need to keep paying them something
since they’ll be setting me up on another payment plan L I also have a $3,000 bill from the anesthesia
department that was not covered during my port surgery. Ugh Also,
I’ll need close to 6 weeks off of work for my upcoming mastectomy, so I need to
be sure I will be able to cover my bills at home, as well as any medications
they may send me home with. So while I
still have a long way to go and a lot of catching up to do, I still find this
to be a minor win for me!
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