Question:
Because of the new year I have to pay a certain amount, did you?

I was approved for rny-bypass on Dec. 21, 2001. When I went in to have a pulmonary test done, I was told I have to pay $387.00 dollars of which I have already paid $100.00. I had spoken with my insurance company the day before and the person I was talking to had said she had the surgery and all I am supposed to pay is $100.00 upfront at the hospital. After my appointment I called Cigna back and asked them about it and a different lady told me that I had to pay my deductible for the year before the doctor would get paid so in all I should have to pay $400.00. I am not worried about the money, I can pay it, but I just don't want to pay for something that I shouldn't have too. Has anyone else gone through this with Cigna or any other insurance company. If so how much did you have to pay, and did you have to pay it before the surgery? Your replies are greatly appreciated thank you.    — tjmoore (posted on January 7, 2002)

January 7, 2002
Most insurances that have deductibles make you pay every year. If you had gotten your surgery in the same year you had paid all your other expenses you wouldn't have had to pay the deductible. Mine is 300 and rolled over in Jan. So the next time I go to the dr I will have to pay it, etc, until I have paid 300.00. The deductible met is for the services provided in the same year. Unfortunately your testing and surgery appears to have fell in between rollover dates. Sorry:(
   — Becky K.

January 9, 2002
Most insurance companies require you to pay a deductible every year, some do have carry over to the next year. Most insurances also require you to pay a percentage as a co-ins., up to a certain amount, that is your out of pocket amount then the insurance will begin paying at 100%.
   — Lisa S.