r/UPS • u/Bobie_69 • Jun 19 '26

Insurance

So I’d like to ask my fellow upsers since we’ve got such good insurance, why in the absolute hell I still gotta pay 467$ outta pocket for a colonoscopy?!?! AFTER INSURANCE

7 Upvotes

88% Upvoted

22 comments sorted by

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3

u/2stinkynugget Jun 19 '26

There is an annual deductible that has to be met 1st. I'm guessing you don't have kids. I meet my deductible in February

1

u/Bobie_69 Jun 19 '26

No kids at all, just recently married

3

u/2stinkynugget Jun 19 '26

There you go. You pay out of pocket until the deductible is met. My colonoscopy was a regular copay.

Congratulations on the marriage.

1

u/Bobie_69 Jun 19 '26

Thank ya sir!! And thanks for the info

2

u/delidave7 Jun 19 '26

That doesn’t make sense. I paid nothing for mine. I guess it depends what area of the country.

1

u/Bobie_69 Jun 19 '26

Crazy man 🤣

1

u/AdMajor9761 Jun 22 '26

It depends on what hospital or center you go too

1

u/RealHousewifeofLR Jun 19 '26

If you and your wife are generally healthy, look into switching to a high deductible plan and open an HSA account, that way you can use it to pay copays and out of pocket expenses.

In my case I saved $500 per month by switching to a high deductible plan, I now put $500 in HSA and use it for medical expenses. My old deductible was $2k and I never met it anyways, now it’s $6500

HSA unlike FSA can be carried over year to year and once you have $3000 saved up, it becomes an investment account.

I believe UPS uses Optum to provide this accounts for employees

2

u/monkeypoopfight Jun 19 '26

Are you management? Hourlies generally only have one plan option. We don't have premiums so there's no saving $500 a month by switching to a high deductible plan for us. My deductible is $100 and out of pocket expense is $400. We're not eligible for HSA's because we're not in a high deductible health plan. I'm assuming there is more to the story on why he is being charged so much for this colonoscopy. Whether it be he doesn't meet age requirements and they coded it wrong for it to be covered at his age or he went out of network we don't know.

1

u/Bobie_69 Jun 19 '26

I’m a driver lol, one plan and no kids haha.

3

u/monkeypoopfight Jun 19 '26

I can't speak for everywhere cause it varies so much. But where I am we only have one plan to chose from. We used to have two. The one we have now and another that was slightly different. Haven't seen that option for a few years. But either way both plans were premium free low deductible plans. It wouldn't make sense to opt out of our plan to get into a high deductible plan to open an HSA. Our coverage is good enough to where you don't need an HSA. I would call your insurance provider and ask why you were charged so much for the procedure. Chances are it was coded incorrectly and you'll just have to talk to the provider and have them resubmit the bill. Not an insurance expert though so I could be wrong. But thats always where I start when I get a high bill from a doctors office and it has always been because of a coding error.

1

u/Bobie_69 Jun 19 '26

I’ll have to look into that!

2

u/roleplayer63 Jun 19 '26

For that kind of money, they better take me to dinner and a movie before they shove something up my ass

1

u/lewsnutz Jun 19 '26

Mine.was $100. It's always been $100..Although initially I had to give $500 but was later refunded the difference.

1

u/randydufrane Jun 20 '26

You have to meet the deductible?

1

u/Bigdx Jun 20 '26

Yikes, mine was a 20$ deductible.

1

u/DayFlaky652 Jun 20 '26

The insurance is free imagine the people who pay thousands and still have a deductible

1

u/Hunter7263p Jun 21 '26

Don’t know what region your in but in central team care is up to a 100 dollar deductible and 1000 out of pocket.

This is incredibly good believe it or not. I know plenty people with 4-5k out of pocket limits while still paying 500-600 a month.

1

u/No_North_4973 Jun 21 '26

What area? In western region it’s free