Out-of-pocket money with United Healthcare insurance

I agree with what Scuttlers noted about calling MDA and talking to them. I found my initial contact to be a bit frustrating but everything went smoothly after that.



Interestingly, I also have UHC and they told me that MDA was one of their centers of excellence so I had all my initial treatment done there last year (2012),including a bilateral mastectomy and DIEP reconstruction. I live in New Mexico so don't know how much difference that makes.



Keep us posted on your progress, and hugs to you and your wife.



Edited to add...wouldn't have a clue on the costs and I suspect they won't give you concrete information until they see your wife and know what kind of treatment she will be receiving. You should be able to get information on some estimates for the initial consultation but that will also depend on how many doctors she sees and whether they do additional testing (which they seem to prefer), etc. Once the treatment recommendations are in, you should be able to get estimates and then contact your local clinic for their estimates for the same treatment. You will, of course, need to factor in travel, meals, and lodging as those will be out of pocket. We kept all our receipts and still couldn't exceed the IRS percentage for medical costs not covered by insurance. PM me if you have any specific questions.

LoveWife,

I had United Health Care last year and there was no cap ($250,000/year).  I thought that with the new healthcare act, the maximum payouts (either yearly or lifetime) were eliminated.  You may want to double-check.  Best wishes.