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Old 09.10.2019, 23:08
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Health insurance deductible based on date of treatment or date of billing?

Hi

I had surgery a few months ago and I'm still waiting on the bill from the hospital. Since I've already had significant costs related to my surgery (up to just under my excess), I'd really like the final bill to be considered as part of this year's health expenses, otherwise I'll have the full excess to pay.

So, does anyone know whether health insurance deductibles for a given year are calculated based on the date of treatment, or the date of issuance of the bill? It could make a big difference to my healthcare costs.

Thanks
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Old 09.10.2019, 23:13
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Re: Health insurance deductible based on date of treatment or date of billing?

Mine has always been based on the date of service, not the date of billing.
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Old 10.10.2019, 00:05
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Re: Health insurance deductible based on date of treatment or date of billing?

Date of treatment, else it be way to easy for them to earn a lot extra since they are allowed to take a long long long time to actually send you the bill.
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Old 10.10.2019, 00:47
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Re: Health insurance deductible based on date of treatment or date of billing?

Please note that health insurance pays for two years back if a treatment is covered by your top-up insurance, vs five years if it's covered by mandatory health insurance.

So, while you're in no hurry WRT the franchise, things may be different for top-up insurances.
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Old 10.10.2019, 02:21
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Re: Health insurance deductible based on date of treatment or date of billing?

Hospitals sometimes send the bills directly to the medical insurance. This is safer, for them, and/or their standardised procedure. The insurance company pays them.

If that's what your hospital and insurance company have done, then the insurance company will claim back, from you, the portion which they are not going to cover.

Health deductibles run per calendar year, and the clocks re re-set on 1st January, when the full deductible once again becomes the first slice for that new calendar year.
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Old 10.10.2019, 10:14
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Re: Health insurance deductible based on date of treatment or date of billing?

Thank you all

That's all good information and exactly what I was looking for; peace of mind.
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