What if I have to a costly medical procedure done but not met my yearly deductible will insurance cover any of it?

Yes, insurance will cover a portion of the costs of a costly medical procedure even if you have not met your yearly deductible.

However, the amount that insurance covers will depend on the type of insurance plan that you have and the specific details of your plan.

Generally speaking, there are two main types of health insurance plans:

1. Health Maintenance Organizations (HMOs): With an HMO, you typically have to stay within a network of providers in order to receive coverage. If you go to an out-of-network provider, you may not be covered at all or you may have to pay more out-of-pocket.

2. Preferred Provider Organizations (PPOs): With a PPO, you can go to any provider you want, but you may pay more out-of-pocket if you go to an out-of-network provider.

If you have an HMO and you go to an in-network provider, your insurance company will usually cover a significant portion of the costs of your medical procedure even if you have not met your yearly deductible. However, you may still have to pay a copayment or coinsurance, which are fixed dollar amounts or percentages of the total cost of the procedure.

If you have a PPO and you go to an in-network provider, your insurance company will also typically cover a significant portion of the costs of your medical procedure, but you may have to pay more out-of-pocket than you would with an HMO. You may have to pay a higher copayment or coinsurance, and you may also have to pay a deductible before your insurance coverage kicks in.

If you go to an out-of-network provider with an HMO or a PPO, you may not be covered at all or you may have to pay the entire cost of the procedure out-of-pocket.

It is important to note that the specific details of your health insurance plan will determine the amount that your insurance company will cover for a costly medical procedure that you have not met your deductible yet. You should contact your insurance company to get a clear understanding of what your coverage will be before you have the procedure.