MOOP - how does that work exactly??

Ok, I've met my deductible of $630 and some of the 20% that goes toward my maximum out of pocket.  So, my MOOP balance is about $3,000.....how does that work?  Will my dr's office require that I pay that up front?  Or will I be billed after surgery?  I'm using Dr. Nick Nicholson, if that helps, and I'll be seeing the ins. person there on Tuesday, but just wanted to have an idea of what to expect when I go!!!  Thanks a bunch!

Hi Dana,

It varies from hospital to hospital.  I had my surgery in March of '09.  My MOOP was $1,800 and I DID NOT have to pay up front, only a small portion of it ($238) to get my surgery schedule.  After surgery, I got billed from various people (hospital, anesthesiologist, etc) and I paid the $1800 after the fact.

All three of my children have also had surgery (in 2010).  They went to the same surgeon, same hospital.  For them, they required the payment IN FULL before they would schedule the surgery.  So their policy changed within a year !  I guess it was because people were not paying their bills after the fact.

You should ask that question Tuesday for sure because the insurance coordinator will be able to tell you!

Good Luck !

Nan