My husband recently left his job and we switched over to my insurance. He was in a bad motorcycle accident about 2 weeks ago and was airlifted to the hospital and spent 6 days there. On our plan, approved inpatient stays are covered subject to a $100 copayment per day, up to a maximum of $300 per admittance. We know that was approved and we only need to pay $300 for his stay. However, we got his airlift bill and it was a whopping $44,000!!! Our plan has a $2,000 individual out of pocket maximum per calendar year and emergency transportation is covered at 80% coinsurance, with us paying 20% coinsurance. Once he reaches this maximum, non-excluded services will be covered at 100% for the remainder of the calendar year.
That would mean with 20% coinsurance we would pay $8800 towards the airlift, but is it right that we should have to pay no more than $2,000 for everything if out of pocket max is $2,000?
That would mean with 20% coinsurance we would pay $8800 towards the airlift, but is it right that we should have to pay no more than $2,000 for everything if out of pocket max is $2,000?
