Post # 1
I have a very high deductible and I’m waiting to hear back from my Dr. whether the MaterniT21 can be offered to me through their office.
If my insurance WONT cover the test, does the cost that I pay out of pocket go towards my deductible at all??
Post # 3
Not a dumb question at all. I had the same one. It may or may not, depending on your insurance. Give your insurance company a call or email them and ask them. They may ask you for the code for the test (which you can get from your doctor’s office) in order to give you that answer. Sometimes, if insurance doesn’t cover something and you opt to have it done anyway, it wouldn’t go towards your deductible. Sometimes it would…just depends on the company and policy.
Post # 4
If maternity is not covered then no, it would not go toward your deductible. However, if anything happens during pregnancy or labor (god forbid) that can be covered (hemorrage, internal bleeding, broken bones etc.) that stuff is covered and would go toward your deductible. Same for the baby, as soon as the baby is born (as long as you’ve done the proper paperwork) the baby is then covered so if they need NICU or anything that would go toward your deductible.
Post # 5
- Wedding: October 2011 - Bed & Breakfast
You are going to have to call your insurance company and ask them because it varies. For my insurance, if they do not cover the item/procedure and we choose to pay for it anyway, the amount that we pay does not count toward our deductible. So, for example, we need fertility treatments in order to get pregnant. Our insurance does not cover fertility treatments. So none of the money we pay out of pocket for fertility treatments will count towards our health insurance deductible.
Post # 6
Like PPs said, it varies based on plans. Call the insurance company and ask them specifically. You can ask your doctor for the billing code so they can look it up for sure!
Post # 7
Unfortunately, I don’t think that it does, but I’m not completely sure about that. But you should be able to use HSA/FSA money! Also, many labs have a discount if you’re paying out of pocket but I’m not familiar with Sequenom’s policy. There may also be a financial assistance program through your hospital or through Sequenom if you’re low income.
Also, just my little spiel, remember that NIPS (non-invasive prenatal screening like MaterniT21) is a screening test. Meaning that it increases or decreases risks but it doesn’t make or rule out a diagnosis. It’s a really good screening tool. But it’s not diagnostic.
Post # 8
@kate02121: @wandering_gypsy: @lovekiss: @abbie017: @JenGirl:
Thank you bees!! I did just call my insurance company, and they said that it will be covered as an outpatient service and covered 100% after my deductible is met. So my last silly question, outpatient v. inpatient care still falls under the same deductible right!?
Post # 9
@tampalove35: Yes, the deductible is the deductible and does not vary or need to be met more than once based on type of service (as long as what you are paying counts towards that service). It is one lump sum.
Insurance can be really tricky. I’m in the field (although not HC insurance field) and still get turned around pretty frequently.