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sarahkliff's profile
Sarah Kliff
Sarah Kliff
Sarah Kliff
Verified account
@sarahkliff

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Sarah KliffVerified account

@sarahkliff

Senior Policy Correspondent @voxdotcom. Running a year-long project on emergency room billing. Help out by sharing your bill!

Washington, DC
erbills.vox.com
Joined January 2009

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    1. Sarah Kliff‏Verified account @sarahkliff May 23

      A question sort-of related to my story today: I’m having a baby in a few weeks. My OB is in-network. My hospital is in-network. But I’m not sure about the anesthesiologist — largely because I don’t know who he or she will be! How can do I avoid a surprise bill?

      149 replies 51 retweets 286 likes
      Show this thread
    2. Anna Mathews‏ @annawmathews May 23
      Replying to @sarahkliff

      And I'm sure you've already been warned about how the minute he/she's born, your baby has his/her very own deductible and out-of-pocket maximum.

      5 replies 1 retweet 15 likes
      Sarah Kliff‏Verified account @sarahkliff May 23
      Replying to @annawmathews

      Oh do you have a link? I'd love to read it!

      3:53 PM - 23 May 2018
      • 5 Likes
      • HighView John Novotny Joshua Booth Lisa Bari Cleave-em Will-ya-stop-‘em-soon?? ☠️
      1 reply 0 retweets 5 likes
        1. New conversation
        2. Rogue Dad, M.D.‏ @RogueDadMD May 23
          Replying to @sarahkliff @annawmathews

          That’s not correct. Baby should be under your insurance after birth essentially as a “family plan” — shared deductible and OOP max

          2 replies 0 retweets 2 likes
        3. Ryan Hassett, gweilo  👻‏ @ryan_hassett May 23
          Replying to @RogueDadMD @sarahkliff @annawmathews

          You're both right; it depends on the plan. Some employer-sponsored plans, usually HDHPs, have separate OOP caps for the individual as well as the family, i.e. a max OOP for the entire plan alongisde max for each covered indiv. (Separate deductibles though? Dunno. Maybe? America!)

          1 reply 1 retweet 6 likes
        4. Rogue Dad, M.D.‏ @RogueDadMD May 23
          Replying to @ryan_hassett @sarahkliff @annawmathews

          My employer sponsored HDHP (which I use) has a family deductible and a family OOP max, as do many others, not separate per individual. However it's easy to check -- this info is usually in a big table in anything explaining the benefits of the plan

          3 replies 0 retweets 2 likes
        5. Jessica Waltman‏ @jessicawaltman May 24
          Replying to @RogueDadMD @ryan_hassett and

          It’s called an embedded deductible and it is becoming more and more common under all types of coverage in the US due to maximum out of pocket limit requirements and a multitude of other factors.

          1 reply 0 retweets 2 likes
        6. Rogue Dad, M.D.‏ @RogueDadMD May 24
          Replying to @jessicawaltman @ryan_hassett and

          I am aware they exist. However it’s not universal nor a requirement. So one just has to look at the most basic plan details to know what a specific plan offers

          1 reply 0 retweets 1 like
        7. Rebecca Watts‏ @Beccasays1981 May 24
          Replying to @RogueDadMD @jessicawaltman and

          There have been required embedded OOP maximums since 1/1/16. If your family ded is higher than the ind. ACA limit, you have an embedded individual limit of the ACA limit. Plan has to start paying for any individual w/ fam coverage if they hit the ACA ind limit.

          1 reply 0 retweets 1 like
        8. Rogue Dad, M.D.‏ @RogueDadMD May 24
          Replying to @Beccasays1981 @jessicawaltman and

          I guess the medical school I work for is non-compliant because that isn’t how it works for me. However seems unlikely they are non compliant and rather there is more to this

          2 replies 0 retweets 1 like
        9. Rebecca Watts‏ @Beccasays1981 May 24
          Replying to @RogueDadMD @jessicawaltman and

          Well it doesn’t apply to grandfathered plans, though those rarely exist now. But if you’re on a NGF plan, with a family deductible above $7350 (2018 ACA individual OOP limit), you should be getting coverage if you hit $7350 by yourself before you hit family max.

          0 replies 0 retweets 1 like
        10. End of conversation

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