mikep wrote:expat wrote:livesoft wrote:If one has a HDHP and negotiates and pays instead of submitting the bill to their insurance, doesn't that mean that the expense does NOT apply to their deductible? If one keeps doing that then they essentially don't have health insurance at all because their deductible will never be met and they will always be paing out of pocket.
According to my insurance company, if I submit documentation (receipt etc) that shows payment, they will include the amount against the deductible.
So it's possible to negotiate a lower amount and have it included against the deductible.
I tried that and it was counted as "out of network" since the rule is all in network claims must be paid at the insurance contract price. So only the "reasonable & customary" amount of the "out of network" price counts toward deductible.. even though the in-network amount is higher ... so this strategy may backfire as you could end up paying more.
In my case, I negotiated and paid an amount that was lower than the "reasonable and customary" amount. My insurance said they would apply that amount to my deductible as long as I provided them with documentation.