"Per admission deductible"?

Hello! I did make a post last week with lots of questions about an upcoming surgery and while I got many helpful answers, I have gone back and forth wit Cigna, the hospital, and the surgeon to get a better idea for my out of pocket costs. I have one question about "per admission deductible":

The hospital called today and gave me an estimate of ~$1,475. Now, when I talked to Cigna they said I'd be on the hook for $1,800 "per admission deductible" + 10% of the total cost until OOP is met.

Hospital said I won't owe this $1,800 because it is a deductible and they're estimating my total costs for hospital is $1,475 which they said is 10% of the surgery. I wanted to clarify that I wont owe $1,800 + 10% (evidently $1,475?).

Does this sound right? Just $1,475 for hospital?? What is a per admission deductible. To me it SOUNDS like if I show up to the hospital for the surgery, that is "admission" and I owe $1,800 then I will owe 10% of the surgery, $1,475. But hospital insists I won't owe $1800. Just $1475 and if I paid the $1800 their system says I would be due a refund.

Cigna is useless with answering my questions. I'm getting wildly different estimates all over the place.

I don't understand. Please help me.

submitted by /u/marmaladejar
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