Cant get a clear answer so im curious, if we apply for financial assistance will it affect my deductible and/or max out of pocket

Claims/Providers

I am pregnant, so i got a few genetic tests done, i was given the wrong test code so expected the total cost of the 2 tests to be around $750 after insurance. The actual codes came out to a little over $1,500 after insurance. The one test was $650 (expected) but the other test was $860 when i was given the wrong test code so the quote from insurance i got was $100 so huge price difference.

My deductible is $1,500 and MOOP is $5,000. So with the tests i reached my deductible and a good chunk of MOOP (with copays and other tests, ive paid about $2,000 towards MOOP) But with the cost being more than expected we are applying for financial assistance which would bring the costs of the 2 tests down from over $1,500 to around $550. Apart those 2 tests the only thing that have gone towards my deductible has been a blood test of around $100.

The company said that it shouldnt affect the fact ive reached my deductible but will only reduce what ive paid towards my MOOP, but i cant find anything that supports that. Anyone have any answers as to whether applying for financial assistance after using insurance how it will influence my deductible and MOOP?

Posted May 7, 2026, 12:38 PM UTC

05
Loading comments…