Timoyal

You guys are having your surgery on the best day of the year My BIRTHDAY:biggrin:, with that said good luck

In my Insurance Coverage Booklet it says that all amounts paid as copayment an coinsurance shall count toward the maximum out of pocket and there will be no further obligation to pay coinsurance and co-pays after max out of pocket is reaction. But it doesn't say anything about my deductible. I'm so confused..:thumbup:.. I work for a very small from so no real HR person. I also have no out of network benefits, so everyone has to be in-network... I totally stressed out about all of this. OMG!, healthcare is a pain in the behind!!

Good Morning All!! I have a question for you. I spoke with my insurance company again yesterday and was told that all I would have to pay is my max out of pocket which is $4500 no matter how much my deductible ($2500) or co-insurance (20%) is. Does anyone know if this is true or had this happen and can share your experience. Thanks is advance!!

Thanks for the response, I believe my maximum out of pocket is $4500. One more thing I thought that my insurance pays for the pretesting, psyh eval., etc...

Good Afternoon all, I have a question for you guys. My insurance is gonna cover 80%, I have to pay 20% and a $2500 deductible. My question is do I have to pay all of this upfront. I trying to figure out how the heck I am gonna come up with the extra... and financing is out of the question...:thumbup: TIA

Good Morning all, :thumbup:I had my consultation with Dr. Trivedi yesterday.. I think I made the right choice with him. I felt totally at ease with him. I set up my 6 months worth of visits with the nuturtionist (:thumbdown:BCBS ugh!!!). So I am looking at a surgery date around January 7th. One of the insurance lady's told me that BCBS was making some changes to the requirements and they should know what the new changes will be by the 19th of June. Here's to believing that they will cut down on the 6 months rule:biggrin:.. Anyone else heard anything about this?

Thanks for all the replys I will take everyone's advise and use this time wisely so I am better prepared when I have the surgery!!!:thumbup:

I've gone to a seminar, picked a surgeon Dr. Trivedi @ Advance Laparoscopic Associates and now I have to do the six month diet, OMG, I don't know how I'm gonna survive waiting the six months that BCBS wants, Insurance companies stink:tt2:, LOL..

Thanks for the info. I also have HBCBS, but I have the HMO so I hope its not gonna be a hassle. Also can you recommended a good surgeon. Thanks again

Good Morning All, I have to decided that I want to have the lapbad done. I have an appointment scheduled with my PCP for tomorrow. I'm just wondering is there anything I should ask or say to her. I am trying to have my insurance pay for it. Thanks