BCBS of ND. Frustrated!

Ok, I have never had so many problems understanding an insurance companies break down of pay in my life. In FL with United Health it was clear cut and understood and no problems. I thought I had a handle on how BCBS did things but now I sit here looking at my hospital bill and it is a few hundred higher than I expected and what the hospital told me should be my final bill after calling insurance before surgery. If someone can help me out in understanding where my thinking is wrong I would greatly appreciate it.

My Maximum out of pocket according to the insurance company between Insurance and Co-Insurance is $1250.00.

My Insurance Deductable is $250.00/per family member (this only had 23.00 left to meet it when I paid my surgeons fee, then the co-insurance kicked in and I had to pay 10% of whatever the $3000 fee that was left which was $300.00 which I was told would go towards my co-insurance deductable and it did)

My Co-insurance deductable is $1,000.00/per family member (or no more than $2000.00 for the whole family). So the surgeons fee that I paid the rest of is supposed to go towards the thousand, now making the deductable I have left to cover before I have met my maximum out of pocket $700.00)

Now in this time between scheduling my surgery and having my surgery I have also been to my GP and had the battery of tests that my surgeon required before hand done, which I have recieved and paid bills for and in benefit explination notices from BCBS was told some of this also went towards my deductable making it even less to finish having to pay (totals about $75.00 more paid towardds co-insurance deductable.)

Now this is where I get confused on the situation. I bill from the hospital was $900.00, don't get me wrong I know that compared to what others have had to pay or are paying that this is great, however it is not what I expected nor what I was told to expect. According to what I was lead to believe is that once co-insurance kicks in I am required to pay 10% of my bills UNTIL I HAVE MET MY MAXIMUM OUT OF POCKET, which even though my math isn't fantastic (I am just doing the co-insurance here because reg. insurance deductable has been met) $1,000.00 - 300.00 - 75.00 = $625.00 of a deductable left to pay, so even though my 10% of my hospital stay is $900.00, shouldn't I only have to pay the $625.00 left to cover my deductable which would then have met my max out of pocket making everything else covered 100%? And on top of it I was just told by insurance that yes max out of pocket was met on both ends of insurance and co-insurance the dates of surgery and days of stay but my er visit 7 days later for what they thought was a blood clot is going to cost me $117.00.

So if someone can please explain where my thinking is wrong I would greatly appreciate it.

Your thinking sounds right to me.  Have you called your insurance company to specifically ask them why you have a bill for $900?  Have you called the hospital?  I would ask them those questions.  Insurance is so crazy and confusing.  It is quite possible something was charged as being out-of-network, or there was a coding error somewhere.

Good luck!