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Question: employer switching ins plans, do I have to start over with deductible and out of pocket expenses?

I had surgery in Aug and am scheduled for a reversal surgery on Nov 28. Employer is changing insurance effecrtive Nov. 15. I have already met my out of pocket maximum on current plan, and that is supposed to be good until the end of the year.

Answer: It depends on the contract your employer negotiated with your new carrier.

Some employers negotiate in a deductible credit, some employers negotiate in a coinsurance (out of pocket) credit…just depends on what your employer negotiated.

When I worked for a large health insurance carrier, I saw examples of both scenarios (where employees got credit and where employees had to start over). The only way you’ll be able to know whether or not you’ll get credit under your new plan is to check with your HR/benefits person.

Items on Amazon Right Now for Deductible And Out Of Pocket:

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A decades-long boom in spending on doctors, hospitals and drugs slowed in 2008 to its lowest level, the federal government said Tuesday.

American SiCKOS Donna and Larry Smith Rally for Single-Payer Health Care in Washington, D.C.

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