Did you have to pay your surgical copay upfront

[pik 262]

A copay is the set amount due at time of service regardless of the service. A coinsurance is a percentage of the final charges that you are also responsible for. Those are in a bill after the charges are completed and insurance is billed and then you are as well.

That is not how mine went. I have a 20% copay and they did an estimation of the surgery/hospital costs and billed me the 20% previous to the surgery.

[fedup08 22]

I work in washington state for a medical insurance/provider company. Not in the bariatric program though. I know a lot of the terms are not consistent throughout the states but that's how it would work around here. Co pays are set not percentages and Co insurance is your portion of the bill you are responsible for. Sorry.

[Natasha Estrada 36]

Update. I did not have to pay my coinsurance up front. No one asked me for anything. My coinsurance to the surgeon is only $150 and I think $600 to the hospital so very generous coverage more (or less I guess) than I expected.

[pak65 0]

Yes, I was asked for my $500 co-pay when I went for my pre-op visit more than two weeks before surgery.

Edited January 14, 2015 by pak65

[lau4lau 7]

Mine is just $150.00 for the hospitalization. Health insurance companies must cover this surgery completely according to PR legislation.