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Insurance Changed Without Notice...ughhh!



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So we have Kaiser through my hubby and he received a letter just last week stating they were going changing the deductible and the co-pay amount. We went from $10 co-pay to $35, and went from $0 on the hospital pay to $500. So now i have to pay for the Sleeve, I know it's less then what others have paid but dang $500 bucks when I was anticipating zero. The kicker is that all this went into effect on July 1st, and we didn't know until we received the letter last week.

Oh well.... :wacko:

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So we have Kaiser through my hubby and he received a letter just last week stating they were going changing the deductible and the co-pay amount. We went from 10 co-pay to 35' date=' and went from 0 on the hospital pay to 500. So now i have to pay for the Sleeve, I know it's less then what others have paid but dang 500 bucks when I was anticipating zero. The kicker is that all this went into effect on July 1st, and we didn't know until we received the letter last week.

Oh well.... :wacko:[/quote']

I trade you.... Mine was $5500 plus airfare.

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I trade you.... Mine was 5500 plus airfare.

Same here! Insurance companies suck, but at least yours will pay for it

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I understand your disappointment thinking it would not cost anything, however that's still awesome. I had to pay $14K, my insurance does not pay anything

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For the surgery itself I will have to pay about 500 dollars out of pocket. 150 for the surgeon and 150 a day for inpatient stay of 2 days...plus medication co pays. I also had to pay for 3 Nut visits at 330, pre-op Optifast at 220.00. Still i feel really lucky, that's all I have to pay. And I have federal employee insurance!

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For the surgery itself I will have to pay about 500 dollars out of pocket. 150 for the surgeon and 150 a day for inpatient stay of 2 days...plus medication co pays. I also had to pay for 3 Nut visits at 330' date=' pre-op Optifast at 220.00. Still i feel really lucky, that's all I have to pay. And I have federal employee insurance![/quote']

You couldnt get Indian Health services to pick up the rest?

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You couldnt get Indian Health services to pick up the rest?

Not all Indians have this benefit or have casino dividends. I doubt they would anyway.

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That does stink but it's not too bad (of course, I'm not the one having to come up with it at the last minute!) I had a deductible of 2k with a maximum OOP of 4k. I've meet that this year so my sleeve should be "free" but that's how much I'd have to pay if I didn't already have some procedures this year.

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Ndnrn, we dont have casinos, as we are in Nv, nor is ihs affiliated with per capita pmts. I know of some ppl who did get it paid, it might be worth your time to see if they will. If not, you're no worse off. Good luck!

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Ndnrn' date=' we dont have casinos, as we are in Nv, nor is ihs affiliated with per capita pmts. I know of some ppl who did get it paid, it might be worth your time to see if they will. If not, you're no worse off. Good luck![/quote']

Thanks Cissiesue. I am working on the ipad ap while on vacation, so I don"t have access to full profiles. Didn' t realize you were a Native Sister. No per capita, BIA or casino money here, either. But like I said, happy to work for the feds and have the benefits I do. Wouln't be able to do it if I had to shell out 5000 to 14000 bucks. Keeping my fingers crossed I get this H Pylori out of my stomach, finish my 2 more nut visits and get approved for surgery sometime late sept, early Oct.

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