Okay, I know some of you have dealt with this so help me out. Tiff is covered under our insurance and will be for the birth of the baby. Actually, to be more accurate, Tiff is covered under DH's insurance which is a PPO while I have always been under a HMO. Since we have rarely had any issues, I really don't understand how a PPO works.
I need to be able to tell Tiff what the birth of this baby will cost. It looks like first she has to pay 100% of the deductible --which is $500 --according to the online claims, she has met this when she was sent to the hospital a few weeks ago for monitoring. (Boy she will be shocked when she gets that bill!)
What then? According to the benefits, it says the plan covers "90% of eligible expenses after satisfying $500 deductible." So insurance will cover 90% of the bill? But what if something goes nuts? With Zayden, our combined bills (mine as well as his NICU at the children's hospital) was 160k -- so that would give her a bill of $16,000? That can't be right.
What am I missing?