So I'm reading a lot about insurance not covering the total cost of surgery. My evidence of coverage only states $100 per admittance copay for inpatient. Does that mean that's all I'm going to have to pay? Or am I going to get stuck with thousands of dollars owed? No one has told me about any costs, and I'm already approved and scheduled!

There are many variations in policies from the same company. You might have an amazing plan that covers everything.

My BCBS plan does not. Have you been billed for all of your testing co-pays? Do you have a co-pay for the surgeon, the anesthesiologist, other specialists?

Here is a breakdown of my policy:

2 office visits paid annually plus the annual check ups and testing (thanks to the ACA)

initial 2500.00 in other costs are paid by me

after 2500.00 deductible is met I have to pay 45.00 per basic office visit or 35% if the cost is more.

35% of all testing, x-ray, etc..Up until I reach 5500. My max out of pocket is 8000. All of the pre-op testing has brought me very close to the 8000.

I have no deductibles, only $15 copay to see the doctor and surgeon. $100 copay for inpatient admittance. I haven't had to pay for any testing so far, my medical group even paid my psych evaluation and stupid program fee that my insurance doesn't cover.

That sounds like a fantastic policy, I am envious!

That sounds like a fantastic policy, I am envious!

I pay $143/mo for this policy, and my employer pays the rest. I'm not sure if that's a lot to pay for a policy.

I had the same kind of Blue Cross *** plan when I got my gallbladder out and it was $250 admit and I only paid that.

I kinda wish I had that plan now though mine did not allow bariatric surgery.

Edited November 1, 201411 yr by Natasha Estrada