My cancer removal surgery was right after my new benefit plan year started so I had to meet my out-of-pocket maximum of $3000 again. A bummer, but I met that out-of-pocket maximum in one day with surgery and then all healthcare cost after that until next July would be free.
The claim from the hospital, radiologists, anethesia, and pathology for my surgery was $54,612. Of that, insurance allowed $28,780. If I had to pay the full co-insurance on that, it would be about $5,756 but I only had to pay up to the $3000 out-of-pocket maximum. So, between the diagnosis and surgery, I owe about $5700 out of pocket roughly. While it's a hefty chunk of change, it is a cost I can fortunately absorb. I also took advantage of using my Flexible Spending Account and the hospital's interest-free payment plan, which lets me spread payment out over-time.
The above cost included couple of follow-up visits with the surgeon. There will be additional follow-ups, and potentially other procedures to address some complications from the surgery, that are not included in above.
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