“Oh hey! your insurance covers up to 40 visits for physical therapy for your 4yo let’s get him in as much as we can before the end of the year and then spread the schedule out for 2025.”
Me right before Christmas getting a $2000 bill for October visits and realizing that “covers” does not mean “pays for”.
There will be another $2000 bill for November after the deductible caps out and then the 80% coverage kicks in for December.
Billing app for the healthcare network wanted $200 and would go down to $50/month. I can do $20 and basically use what remains of what my employer contributes to the HSA.
“Oh hey! your insurance covers up to 40 visits for physical therapy for your 4yo let’s get him in as much as we can before the end of the year and then spread the schedule out for 2025.”
Me right before Christmas getting a $2000 bill for October visits and realizing that “covers” does not mean “pays for”.
There will be another $2000 bill for November after the deductible caps out and then the 80% coverage kicks in for December.
Billing app for the healthcare network wanted $200 and would go down to $50/month. I can do $20 and basically use what remains of what my employer contributes to the HSA.