stupid question.....

[Precious333]

I'm trying to figure out what my insurance will pay, this is what it said for midwifery care: (so do they pay 20% or do I pay 20%?

Provider Network Preferred Provider Amount or percentage you pay for this service ("copay") 20% Per Visit, after deductible is met. Copayment maximum applies. Does your payment count toward satisfying your deductible? Yes Applies to Preferred Provider deductible.

[Proud2BWeird]

You pay 20% of what they approve after you've satisfied your deductible. They never guarantee they'll pay for anything, though.

[BlessedToBeMe]

from how I'm reading it, you would pay 20% after you'v met your deductible

[jellyphish]

So if the bill is $2000 and your deductible is $500, you pay $500 + 20% of what's left- $1500. So your total bill would be $800.

[Precious333]

ok, thanks, that makes me feel better, how will I know if they will pay it or not?

[jellyphish]

This is also for in-network care only.

Actually it looks like this is preferred provider only which can be very limiting.

[Precious333]

Quoting jellyphish:

So if the bill is $2000 and your deductible is $500, you pay $500 + 20% of what's left- $1500. So your total bill would be $800.

ok so if my midwife charges me 4,000, than I will pay 1200? (I never was great at math! lol)

[jellyphish]

I would call them and ask for the info of preferred provider, and to ask the difference between in-network and preferred provider.

Quoting Precious333:

ok, thanks, that makes me feel better, how will I know if they will pay it or not?

[Precious333]

Quoting jellyphish:

This is also for in-network care only.

Actually it looks like this is preferred provider only which can be very limiting.

so, the midwife as to be in the network, how do I foundout if they ar in the network? Does that mean they won't cover out of network midwives?

[jellyphish]

What's your deductible? (I love math!)

Quoting Precious333:

Quoting jellyphish:

So if the bill is $2000 and your deductible is $500, you pay $500 + 20% of what's left- $1500. So your total bill would be $800.

ok so if my midwife charges me 4,000, than I will pay 1200? (I never was great at math! lol)

[Precious333]

Quoting jellyphish:

I would call them and ask for the info of preferred provider, and to ask the difference between in-network and preferred provider.

Quoting Precious333:

ok, thanks, that makes me feel better, how will I know if they will pay it or not?

ok, sigh, thanks.