will i owe anything on my insurance after my deductible is met

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will i owe anything on my insurance after my deductible is met

i have to have surgery later this year and me and my wife are having a baby in November. Will i have to pay anything for my surgery if we meet the deductible after having the baby?

Asked on July 4, 2009 under Insurance Law, Ohio

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

It depends on the terms of your policy.  For example is it an 80/20 co-pay?  This means that after the deductible is met the insurance company will pay 80% of the bills and you pay 20%.  Of course you may not have 80/20 at all; or if you do there are certain bills that the insurance will cover for a different percentage.

Again, refer to you policy;  if you  still aren't clear as to coverage call the insurance company and have them explain all of this to you.

Best of luck with your baby.


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