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Reply to "What is not counted towards the maximum out of pocket for health insurance"
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[quote=Anonymous]I don’t know Kaiser specifically, but co-payments are not usually counted towards out of pocket expense total. Are there any expenses you’ve paid that that insurance company might not be aware of? Sometimes the surgery facility will collect the “facility fee” upfront prior to surgery, but the insurance company is not made aware that you paid that fee. The facility fee will count towards your out of pocket expense as long as the payment is the insurance company has confirmation that you paid it. Ask for the list of payments that the insurance company claims is going towards your out of pocket expenses and see what’s missing. If $4,000 is your max out of pocket, you should not be paying anything beyond that. [/quote]
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