Jersrose43

It's because you have single / individual coverage. The amount you can put into an HSA is legislated under the IRS tax code Those funds are intended to be pretax this is why Sounds like yours may be post tax but still legislated by tax code.

You should call your insurance and find outbid they cover these or consider it ok under the hospitals contract with them. I've never heard of it and I've been in insurance for 20 years. Interesting to see what is covered by this administrative fee they are charging you. Your insurance may not like them charging you a cash fee outside of an agreed to contract with hospital.

Your question is unclear. Who is charging you admin fees? A program a hospital a doc?

She must be related the the girl at my docs office

I usually find them at whole foods and even then it's hard Usually in refrigerated case, top shelf.

In New Jersey and really was hoping for late April Or early may as well. Now looking like June or later. I have a huge deductible so it has to be this year as I've met it doing all this preparation

$240 is likely their charge and you pay what your insurance allows and charged to your deductible. Not the full charge. Many hospitals are in for a rude awakening. Within next 5 years most everyone will have deductible and many of those will be in the high thousands. It really is the only way to keep costs low for everyone and especially through the new jnsurance exchanges. People with $10 copays see no issue going to a doctor or other to get something done. But when you have a deductible and that same service would be an office visit of $100 you think twice

Officially submission was on March 18 and denied failed to have all the documents So day 41 and still waiting.

I am at 24 days since the reconsideration went in. All the insurance coordinators fault. Multiple mess ups with her

Every plan in the nation is different you have to call you company. Just because it's Cigna doesn't mean all Cigna is same. My Cigna is $4500 deductible and 15% to $9000 out of pocket. My cousin has Cigna and it's $500 deductible and 10% to $2000 out of pocket It depends on what you purchase if individual plan or what your employer purchases

Just remember you don't have to pay your deductibles up front to hospitals or physicians no matter what they say. They're getting tougher about it because a lot more people have deductible now and not paying. But if you give them a monthly payment plan most will help you out.

My yearly deductible is $4500 The entire thing was eaten up during this process and a few other little things. $2000 for endoscopy (surgeon, anesthesia, hospital). Paying it off $50 a month to hospital, $50 to anesthesia and $20 to the doc. Not same hosp or surgeon for sleeve $500 from shrink but had to pay $175 up front and he said that was his cash price. So that is all I pd but he billed much higher Monthly visits to sleeved surgeon $175. Been paying off $50 every two weeks Ultrasound of gallbladder $500 paying of $20 a month. Slowly but surely. Many of my lab work, GI work, cardio work was done by my pcp office and so I can pay them monthly without issue. Urgent care for my kids when they had the flu I still have to pay. That one is gonna hurt

Each person needs to make their own decision. Cash pay here or Mexico or Brazil is each persons decision and needs to be respected Everyone's opinion should also be respected. I saw nothing racist or prejudicial in any statement. Clearly post surgery we have a lot of emotions all over and take a step back and a deep breath. Jeez

Can't believe all this negativity. I too thought it was a letter to herself and found it very inspirational. Glass half full people

I get the half tea half lemonade and just ask for unsweetened and I add my own Splenda. Tastes great

So I work in insurance for last 20 years. I say you go forward if this is what it says. Read the policy THOROUGHLY If it's online do a suearch for gastric, bariatric, sleeve etc. If it doesn't exclude it, this clause tells me it's covered

Ask your insurance if a 2nd opinion letter would be acceptable? Not sure how to get around that one I am sorry

Lovely WellPoint anthem - jackpot. Ok take a look at this site. The duodenal switch is bariatric for them. That said each employer who purchass the plan can decide what is or is not going to be covered. You need to check your personal group policy to confirm no bariatric exclusion http://obesitycoverage.com/anthem-bcbs-requirements-for-weight-loss-surgery/

Bcbs where? All bcbs are different. Some are owned by WellPoint. But most are independent

It wasn't my insurance it was stupid dope at the doc!

I know you posted earlier this month about smoking - is you finally give that up? Maybe it's a combination of withdrawal maybe?

Update. My blood pressure Is WAY WAY UP! I called doc office. I spoke to her April 10 she had sent it on April 7. She says. So ok. I called insurance. I have been calling insurance every day since April 14 for status. Don't have don't have They confirm it takes 7 days business for recon I email the insurance person on April 15 - I just talked to them they don't have it. Today I called office again. Can you confirm you sent it? Insurance person on PTO Office manager says I will call you back 5 minutes she has the fax and confirmations shows it sent on ..... Wait for it. April 15. Hey my email was when? So I called insurance again Nice woman called the auth team direct. Nope don't have it. Says it takes 7 days etc but they should have it if they sent it. I have confirmation it went through. Read her the fax #. She faced to the wrong number.

I would recommend Looking for healthcare through a private plan then and purchasing it of they pay for it.

You really need to stop eating real food. You should be on protein shakes. Did they not tell you this?