Hypothetically, Isn’t this a way to curb my deductible to get my medicine?
21M. Long story short I’ve been struggling with breathing for the past year and some change and developed Asthma. All due to Nasal Polyps. I went to a ENT doctor who diagnosed the problem, got me started on Tezspire, and did my surgery to remove most of the Polyps. After the first monthly dose of Tezspire and the surgery I could smell COLORS. Life was amazing.
But insurance wouldn’t approve a second dose. They wanted to switch to an alternative like Dupixent, which I did and they still wouldn’t cover it. Said I needed to first cover my deductible/OOP (my out of pocket is the same as my deductible with my insurance) of $6000 before they cover my medicine.
I was wondering, if I went to the hospital right now and just told them a bunch of shit just to rack up a medical bill of $6000+ and it was billed to insurance who left me with the 6000 to cover wouldn’t that be me essentially fulfilling my deductible? Would I have to really pay that 6k before it’s seen as me fulfilling my deductible rather than just having it billed out to me? Is this feasible?
I’m desperate here. I haven’t been to smell or anything for that year. I’m so happy now. I can finally go back to the gym without dying from coughing