Unexpected bills often arise due to deductibles in your insurance plan.
A deductible is the amount you need to pay out-of-pocket before your insurance begins to cover costs. This amount is predetermined and usually resets each year.
For example, if you have a $1,000 deductible and receive a bill for $250, you'll be responsible for paying that $250. Once your out-of-pocket expenses reach $1,000, your insurance will start sharing the costs of your care.
If you’ve met your deductible for the year, you'll typically be responsible only for a co-pay or coinsurance.
What to do: Contact your insurance provider through their website or the phone number on your insurance card. They can provide details about your deductible and how much you’ve paid so far, helping you make informed decisions about your care.