This almost seems to be a no brainer but figured to get the opinion of the fine folks of the forum.
My HDHP insurance has an out of pocket of $8000 with me paying it all before it pays a penny. Now I have to have another surgery and its been scheduled for Dec 21 so its covered under this year, as are the office follow up appointments. But no PT. Then I may also need special shoe adjustments, wont know till after the surgery. There is a slight possibility of a 2nd surgery depending on how the healing goes. I also will need a chest CT and a normal physical next year, figure $1K for that.
I'm seriously considering on cancelling the surgery until next year, pay out the $8K and not worry about the rest of next year. Since it is with the same hospital I already have a payment plan set up with, hoping I can combine them into one payment.
Thanks...
My HDHP insurance has an out of pocket of $8000 with me paying it all before it pays a penny. Now I have to have another surgery and its been scheduled for Dec 21 so its covered under this year, as are the office follow up appointments. But no PT. Then I may also need special shoe adjustments, wont know till after the surgery. There is a slight possibility of a 2nd surgery depending on how the healing goes. I also will need a chest CT and a normal physical next year, figure $1K for that.
I'm seriously considering on cancelling the surgery until next year, pay out the $8K and not worry about the rest of next year. Since it is with the same hospital I already have a payment plan set up with, hoping I can combine them into one payment.
Thanks...