Can I chose to pay my full insurance deductible at one clinic even after I got ded. bill from a different clinic?

Question

My ded is $300, but the ins. company usually breaks it up so i m not hit with suck a large amount. This means I have a $70 bill here, a $140 bill there, a $80 bill somewhere else.
However, I work for a medical facility and had some work done that I wanted them to charge ins for because my bonus s would cover my ded. and it just makes things simpler.
I have already received a bill from a different medical office for part of my ded... can I just pay it all at my one office and have the other places resubmit to ins. for that portion of their payment?

Answer 1

Whoever bills your insurance company first will have the deductible applied. There is no other way for their claims system to hold off or "break it up". It is only broken up by the size of the bills submitted. If the first bill is larger than your deductible, the entire deductible will applied to it.

Answer 2

The company will apply bills to your deductible on a FIFO basis. So the first bill that goes in will be first applied to your deductible, and so on. The later bills, when submitted, will be paid in light of what is left of your deductible. There is not really a way to organize this the way you want. Claim processing is costly for the providers so they are not likely going to want to resubmit to your carrier; they will just be looking to you for payment of any unpaid charges.

Answer 3

deductible can be fulfilled however you want - you cannot get reimbursed twice for the same bill and they cannot charge your insurance until your deductible is paid and that will show when they try and submit the bill to insurance - if you still have unpaid deductible, the insur co won;t pay the doctor anything

Answer 4

No. Your "deductible" gets subtracted from the bills submitted to the insurance company.

Answer 5

No. You have to deal with each bill separately.

Answer 6

Nope, you need to pay each bill as it comes.