Trying to avoid double jeopardy deductible
I have a 16 week appointment December 8 where the doctor plans to do initial blood and urine tests. The doctor wants to charge me my entire deductible + 20% of whatever the insurance doesn't cover ($700). The dilemma is that My pregnancy is going to span two calendars years, so my deductible and out of pocket expenses will reset in January. That means in January they will charge me the entire deductible + 20% again!!! Is it ok to put off the appointment and initial tests until I'm 20 weeks on January 8?
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