I am so confused !

If my insurance policy states that I have to pay 50 % of my surgery.

But, I have an " Embedded coinsurance maxiumum" individual / family $3000 / $6000

Deductable of $500/$1000

Out of pocket maximum $6600 / $1320

BCBS of Mi Simply Blue PPO

How much should I plan on paying ?

I would call the customer service number for clarification. It all gets confusing with the maximum out of pocket vs having to pay 50% of the cost. Someone would be better able to give you guidance.

Good luck.

I tried calling. It just made me more confused. The insurance lady at the hospital is confused for some reason too. I am being quoted between $10000 and down or $49000

I am so confused !

If my insurance policy states that I have to pay 50 % of my surgery.

But, I have an " Embedded coinsurance maxiumum" individual / family $3000 / $6000

Deductable of $500/$1000

Out of pocket maximum $6600 / $1320

BCBS of Mi Simply Blue PPO

How much should I plan on paying ?

I'm confused with that to.

Usually you would not have to pay anything more than your

"out of pocket maximum" once you meet that dollar amount.

I can't see you having to pay any more than that amount even if you have a co-insurance responsibility.

Do you have a broker you work with that maybe can help explain the policy better? If not call back tomorrow & tell them to explain it to you again.

Also if it's through your job, speak to someone in HR or a benefits manager at your company. If all else fails, call the insurance company until you get someone who can clarify and explain in layman's terms the information you need.

Unfortunately some insurances don't count weight loss surgery towards your total out of pocket costs. At least that is what mine says