Quote:
Originally Posted by jnieman
I guess I need to study that $5000 catastrophic limit because I have never been able to benefit from it. Last year we had over $20,000 in medical expenses to deduct. $7000 of that was in premiums for my husband's medicare and our BC/BS, but that leaves over $13,000. I wonder if the catastropic only kicks in for a major event.
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The Blue Cross catastrophic limit applies to all out of pocket charges related to paid claims by Blue Cross. That includes copays, coinsurance, including prescription drug coinsurance, hospital coinsurance, and surgery and doctor charges. You can see how much has been applied to your catastrophic limit for the year by looking at any of your "explanation of benefits" statements. When you reach the catastrophic limit, all valid claims are paid at 100 percent. But, your premiums are not part of the catastrophic limit.