I have insurance through Aetna. I am almost through with my 3 month multi-discipline. I called the hospital that I am having my surgery with. They said it could be up to $3000 upfront. That is my max out of pocket. I have almost met my deductible for this year, but there is no way that I can pay $3000 upfront. They said once my surgery is scheduled that I would know how much it will be. I know that all policies are different, but has anyone else gone through Aetna? How much did you have to pay?

I had to pay the rest of my out of pocket but the hospital let me set up a payment plan. They were very nice about it. I also had to pay $360 to my doctor which was my 20%, I think.

One thing to remember is you only pay your portion of the final bill. Hospital may be expensive but if they are on your plan there will be a ton of charges dismissed before your actual portion of bill shows.

For example - my billed amount was 15K but then network discount was 12K so I only paid my percentage of the remaining 3K.

Yeah that was what I was originally thinking too. It is getting closer and I do not want any surprises that may delay my surgery.