Well, I have BCBS of Illinois and they are asking for $1600 co-pay but the surgeon has a deposit too of $250.

I am wondering what kind of co-pays other people had to pay with insurances.

It just seems like a lot even though they put me on a payment plan I had to pay $450 to the hospital because of my insurance and $250 deposit to my surgeon, so I am up to $700 already.

:smile:

I think my co pay is $75. Thanks goodness I am getting it done now. My insurance changes in January and I would have had to pay $400 plus 10% of the total bill.

I, luckily, do not have any co pay at all. I did have to pay for the nutritionist out of pocket and just my copays for my PCP on my 3 month diet. Everything else was covered 100%

There is so much variation by insurance plan.

The $1600 could be a deductible, or it could be a 20% (if you have a 20/80 plan).

Hospital stays are often charged separately from the surgery, etc.

My copay was $150. I have a deductible that I haven't paid yet, so I'm pretty sure I'm going to be getting a bill in the mail one of these days for another $500. None of that counts any of the pre-op out of pocket costs.

I have the attitude that I was going to get it done either way, so anything insurance pays is a bonus. I know others don't have the luxury of being in the same boat, but I would suggest anyone who has questions about insurance to call your company-- they're the only ones who can explain it to you.

My copay for the surgeon is $360. I dont have to pay anything above the insurance to the hospital because I work here. No clue what I will have to pay the anestesiologist.

I still have to pay for the EDG and Cardiac Clearance which included a stress test. Hopefully I will meet my deductable with some of these charges.

my maximum out of pocket was 2000 but i got on a payment plan but still had to put 1000 on it and 150 for my hospital stay so that was 1150 plus the

No co-pay for the surgery and $15 co-pay for office visits.

I had a surgery in may, so i met my deductable then. So my insurance is completely covering all my lap band fees. All I have to pay is $75 to the surgeon & $75 for the hospital stay. Im trying to get banded this year before january so I wont have to pay out of pocket expenses. Even my psych eval. is paid for.

I have bc/bs tx (federal) they nurse said federal is one of the best insurances out there. They approved me right away. No long months of dieting and waiting! Im so thankful God has looked out for me!! :smile:

I have Federal Employee Blue Cross/Blue Shield HMO of California and so far I THINK I will be in for $250 total... I called insurance last week, and this is what they quoted ($100 hospital, $100 surgeon and $50 for something else???) I meant to call again to double-check, you never know if someone is looking at the wrong line. Will do tomorrow with both the surgeon's office and insurance and report back... .

I do recall the insurance agent saying if i was checked in as inpatient or overnight it would be only the hospital co-pay for each day ($200 - a savings of $50) but I don't want to do that..didn't even ask my surgeon comfort of one night at home(my mom's home) while on Clear liquids and milk of magnesia and a comfortable bed was worth more than that extra $50. Even with having to wake up between 4:30 and 5 am to get to the hospital on time was still cool.

my co -pay for bcbs was 1600 to the hospital

My co-pay was $434 (20%) and $2500 deductible for the Hospital. I have know clue what i will have to give my surgeon.

OUCH...I have federal BCBS Basic and I paid $100 for the surgeon and $100 for the facility.......and then $100 for each fill. (pre op visits were $35) Course that was all in 2009...and prior to the sleep apnea testing, etc, that I hear they require now.

I am very thankful to have my gov't insurance as I was able to get my tubes tied and a hernia repaired at the same time as my lapband and it only cost me an extra $100 for the OBGYN to be there. Woot woot! Being a federal employee has it's perks!

OUCH...I have federal BCBS Basic and I paid $100 for the surgeon and $100 for the facility.......and then $100 for each fill. (pre op visits were $35) Course that was all in 2009...and prior to the sleep apnea testing, etc, that I hear they require now.

I am very thankful to have my gov't insurance as I was able to get my tubes tied and a hernia repaired at the same time as my lapband and it only cost me an extra $100 for the OBGYN to be there. Woot woot! Being a federal employee has it's perks!

Kim, I'm thinking of changing my federal BCBS Standard Plan to Basic for 2012. It looks as the though the charges are similar (however higher since 2009, now its $150). I also see a 30% for medical equipment and understand the band itself is considered equipment but I have no idea of the cost of the band here.

I'm having the hardest time just nailing down an estimate of this surgery with insurance. NC BCBS couldn't even give me an answer when I asked about my current standard plan. I doubt they'll have any better answers with asking about a plan I don't even have yet.

Well hopefully my final paperwork is off for approval, I'll be checking on that in just a few minutes.

I would change to the highest plan available if possible, especially if you're the only one covered on the plan. What you may end up pay extra in premiums you will likely make up for in having to pay less in fees and deductibles and you are more likely to be covered in situations where you thought your insurance would cover something but it wasn't because it was out of network..

Also the best person to ask about what you will have to pay is the coordinator at your doctor's office. They will know what your insurance will cover and will let you know what you'll have to pay

I have to pay a 100$ payment to the hospital and everything else is covered 100%. Dr's office requires a 250$ deposit to schedule your surgery until the make sure everything goes through with your insurance, then they refund the 250$. They also require a 500$ lifetime payment before surgery.

I have BCBS of IL too (***) and I have no copay, no deductible. I had to get a crap load of referrals though and I had a few $10 office visits charges. I'm pretty lucky - this whole process has been inexpensive and quite easy.