Who is the best person to call to find out if I will have to pay anything out of pocket for my surgery?

My surgeon's office or my insurance company?

I suggest calling your insurance company. They know what your deductibles are. i could never get a straight answer out out of my doctors office as to how much I would owe him after insurance. Turns out I had used all my deductibles ealier in the year for something else and my bill to him was 19.99 and 110.00 to the hospital.

Insurance...... my out of pocket max is $2000 once I meet that my insurance covers everything 100% I couold not get a striaght answer at first either.

Thank you ladies!

I would call the insurance company first then verify with doctors office.

I highly advise to call both! My insurance told me they covered 100% but when I went to see the only LapBand surgeon my insurance covers in the surrounding areas, he charges a "Program Fee" of $600 that is above and beyond what insurance pays. I then called other surgeons even though they may be farther away from me and they too had Program Fees or Facility Charges which are an out-of-pocket expense that is not covered under insurance. So, I would call both and see what exactly your insurance covers and what your surgeon charges as out-of-pocket fees..... Be very prepared!!