Will they take my Health insurance deductible out of my paycheck?

Question

I didn't realize how much my blood tests cost until I recieved a benefits of service sheet in the mail, but it says at the bottom that it is not a bill. It does say that I have to pay a certian amount. Can they legally take this out of my paycheck (so then my boss knows some of my medical information) or will they just send me an official bill? Does it have to be paid all at once do you know. It is Blue Cross PPO40

Answer 1

Nope, you have to write a check for it. The only time they'll take it out of your paycheck is if you don't write the check, they sue you in court, and garnish your wages. THEN all your boss finds out, is you got sued for unpaid bills and lost.

Answer 2

It does not come out of your paycheck, EVER, so your boss knows nothing.
You will get an official bill from the provider - you're not paying your insurance company for the services, that's already done - and all you do is send them a check or give a credit card number - there will be instructions on the bill as to where to send payment. As far as paying all at once - if you can't afford to pay the whole amount in one shot, call the number on the bill immediately (usually to patient accounts at the provider.) and ask about making payments. (Don't leave it until it's past due, they'll be less inclined to be helpful and work with you) Most of the time, as long as you make the payments on time they'll go with it.

Answer 3

The only thing that is deducted from your paycheck is your premium. Your employer MAY receive copies of statements, depending on their level of involvement in the benefits cycle. Are they self-funded? The new privacy laws have stopped most of this, but employers can request the information anyway, but only to use in assisting the bill-paying process (what they are paying if they are self-funded). The EOB (explanation of benefits) statement that you received in the mail is from Blue Cross, just showing you what the benefit was. You will receive a bill from the provider for the balance.

Answer 4

this depends on if the test were through your employer or not.if so then most likely it will be covered under workers comp. if not then yes you most likely will have to end up paying out.as far as paying in full, i dont think so.i also have blue cross and ive never had to pay in "full" as long as you keep paying i dont think there will be any penalties or anything like that.but then again i always paid up by the due date.but since you said that the letter said it was not a bill its most likely a workers comp settlement.so i doubt that you owe any money.i could be wrong though.

Answer 5

They will send you another bill. The insurance company should have a department that may work with you as far as payment is concerned.