United Health Care deductibles

[Guest guest]

, I have medicare supplement under United Health care. I have a policy

that covered my deductible from the start. I do not pay anything on my doc

visits. I know the cost of the insurance varies by where you live.

I am in Pa. I think your doc visits should be covered if you have met your

deductible. If you have medicare it pays 80% and the supplemental covers the

other 20%.

Now procedures are often covered by insurances. However, I found when I had

Blue Cross, I still had to pay for an office visit for Novocaine injections.

They only lasted for 10 days and cost me $25/visit. since they could only do

them every 30 days, I gave up on the idea.

Hope this is some help.

Hugs, Tami

--- wrote:

>

> Since I met my out-of-pocket maximum, I am hoping to have more control over

this by the end of the year.(know I won't be cured, but have less pain than now)

Financially, I just don't know if I can come up with all this $ again next year.

It is killing me!!

> I have United Health care and they suck!(co-insurance,copay etc)

[Guest guest]

Thanks Tami! I called the insurance company and couldn't get a straight answer

so I figure I'll let the surgeons office deal with them and let me know.(if I

have to pay anything).

They did tell me I still have to pay a co-pay for office visits, so I question

what " out-of-pocket maximum " really means.

Any input from the group would be GREATLY appreciated. and yes..they say I have

met my individual deductibles, but not the " family " .

Do I have to pay 2 out-of-pocket maximums??I'm so confused!!

It just makes me so angry that the insurance company does everything to deter

you from seeing a doctor. grrr

OK..that's my morning vent. lol

S

>Tami wrote:

>, I have medicare supplement under United Health care. I have a policy

that covered my deductible from the start. I do not pay anything on my doc

visits. I know the cost of the insurance varies by where you live.

>I am in Pa. I think your doc visits should be covered if you have met your

deductible. If you have medicare it pays 80% and the supplemental covers the

other 20%.

[Guest guest]

I, too, have United health Care, but as a Medicare " Advantage " plan. Since I'm

disabled, but not yet 65 I cannot get a Medicare supplement. It's awful because

I pay $30.00 co-pays to all my various doctors (except the family doctor which

is $10.00).

I have to pay $5,000 for my prescriptions before I get out of the doughnut hole

and $4,000 of co-pays and tests before everything is covered.

Does the new health care legislation help us disabled people with this next

year? I have run through $8,000 in 3 months which was all my savings. Just

wish I could get the supplement instead.

Any suggestions?

Cheryl Tiller

[Guest guest]

Don't you love it that insurance companies never give you a straight answer! I

remember that when I had Blue Cross we had an individual deductible and a family

one. Usually when I met the individual they covered everything but the co-pay.

Mine was $25 a visit. I know how fast that can add up! If you have a book on

benefit explanations, sometimes that is helpful.

I agree that sometimes it is easier just to let the doctor's office figure it

out.

Let me know how you make out.

Positive thoughts and hugs,

Tami

--- wrote:

>

>

> Thanks Tami! I called the insurance company and couldn't get a straight answer

so I figure I'll let the surgeons office deal with them and let me know.(if I

have to pay anything).

[Guest guest]

I know it can vary from company to company but most of them offer varied plans.

On mine I have a yearly deductible, or out of pocket expense of 100 dollars.

That means starting in January I pay the first 100 dollars of Doctor's office

expenses.

After that deductible is met I pay 20% of the visit and the insurance pays the

rest. You can get policies that have no deductibles but the premiums are

noticeably higher.

S

[Guest guest]

Thanks Tami! I will keep you updated. Yes my $25-$35 co-pay does add up and I

have to pay a cab to take me too. ugh!

Tami wrote:

Let me know how you make out.

[Guest guest]

Dear Cheryl;

I have medicare advantage program and i don't have a donut hole. You might want

to call your representative and as to speak to him/her face to face and see if

your state offers anything for low income that might help you cover your copay.

I have a copay but once I hit 120.00 in cost incurred fees permonth then my

medicaid kicks in and I only pay up to 3.00 for each of my prescriptions.

I know each state is different which I feel is wrong but its life.

Sincerely

Mist

--- " Cheryl Tiller " wrote:

>

>> I have to pay $5,000 for my prescriptions before I get out of the doughnut

hole and $4,000 of co-pays and tests before everything is covered.