What would you do if you had a $4k + procedure coming up AND your insurance plan restarts in 2 months?

I have a procedure next week that will cost 4k +
Yes I have 4k+, but of course I don't want to fork it over.
I want insurance to pay as much as they can, which I'm sure they won't since I haven't met my $2500 deductible.

The Insurance lady said the amount I pay MAY go towards the $2500 deductible and that it MAY go towards my near $10k out of pocket max. Wouldn't it be easier for it to go towards the 2500 deductible FIRST, so that insurance can start paying faster?
But I get it, NOBODY WANTS TO PAY (HUGE AMOUNTS), INCLUDING ME!

I want to do the procedure now, because I'm off work and have time to recover.
If I wait 2 months (for when the insurance plan restarts) I will no longer be off, and therefore will not have time to recover. Then if you factor in the fact that it "may or may not go towards the deductible" , I'm wondering will it even make a difference?

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easterniowegin · 51-55, M

Insurance should be able to tell you how much you have remaining on your deductible for this year. Having a procedure done at the end of a plan year is usually the best time to do it, bc of the reduced deductible.
Deductible is applied first, then any coinsurance. Any out of pocket amount adds to your total out of pocket counter for the year.

rosyhills · 31-35, F

@easterniowegin I have the above amounts remaining according to them. Which I don't believe is accurate.
Reduced deductible at the end of the year?

easterniowegin · 51-55, M

@rosyhills the amount of deductible is lower at the end of the year, bc you usually use it during the year.
There is never a service that doesn't apply to your deductible, unless a specific copay is in play.

Get your procedure done before the new plan year.

rosyhills · 31-35, F

@easterniowegin Right, I see. Except my insurance is only showing that I've paid $81 dollars. I've been to a specialist 3 times since March and I've paid $540 (and have the reciept) Unless specialists don't count? IDK

edit to add: this is in addition to regular doc appointments.

Mistakesmakeus · M

Ill offer them a dollar take it or leave it

REMsleep · 41-45, F

Call your insurance first and get them to tell you your total estimated out of pocket cost.
It may be a hassel but they can tell you.
If the price makes sense for you then go for it!
Don't worry too much about meeting deductibles because once the year starts over you will just have to meet it again unless you llan to have more costly medical needs during that same year.
Its better when you have time to recuperate. Be well

rosyhills · 31-35, F

@REMsleep yea I spoke to the hospital, and they are the ones who told me it will be 4k+. I also spoke to my insurance provider who told me they can't tell me how much will be paid until the claims are made.

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