I have Blue Cross/Blue Shield PPo insurance. I live in Los Angeles County and have a $6,000 deductible. I have already paid $3,500 this year in other medical expenses.

Does anyone have any experience with this type of insurance? What was your outcome? Were you approved? If so, how long did it take for you to be approved?

thanks :]

I have BCBS but HMO Access+ and I'm in NCal. Is the huge deductible because you are choosing a surgeon outside the network? Is there someone down there who is reputable that could be less expensive for you?

I'm just curious, that's almost half what it costs out of pocket - the deductible including what you paid so far...

For me I did not really take all that long. I was the one who took my time with it. Once I made the decision I could have been banded within 3 months and I dragged it out to about 6.

Let us know how it goes!

i am going with a surgeon that is in my network. i have no idea why i have such a high deductible. it sucks! i go in for my consultation tomorrow....very nervous

I understand your nervousness, this is a huge decision to make. You will be ok though promise. :grouphug:

usually a PPO will always have a higher deductible/OOP (out of pocket costs)....and its not til that is met than will the surgery be covered at the said % rate....