When did you find out about your out of pocket expenses?

[lauriev 71]

My surgeon's office has an insurance coordinator who met with me on my very first appointment. She was able to look up my insurance information then tell me what my deductible would be and any out-of-pocket expenses. I knew this information from the very beginning so it baffles me that you are two weeks away and nobody has told you.

Well, she and I have the same surgeon, and I don't know what her experience was but I got the letter from the insurance company, called my insurance company to verify that it was an approval and then had to call the doctors office to tell them I had been approved so we could get the ball rolling. I don't know if they are just that busy or if they are slightly disorganized but the other thing I didn't know was that I got so many follow up visits as part of my surgery; I thought I would have to pay for those since they were all in the next insurance plan year and I was having to start my deductible all over.

I had a little bit of an idea on mine because I had talked to the other surgeon that gave me all that information up front. The only things they couldn't give me super accurate data on was the cost of the psych visit and the sleep study if needed because they had several vendors that provided services and your out of pocket to them would vary depending on who you chose. So, I knew pretty much the max I was going to have to spend out of pocket. I just didn't realize that I would have to pay it all at once.

[ladyperro2 10]

Hi guys, Thanks for all of the info! I'm waiting for a call back.

@. and @lauriev. My situation was similar with the insurance company. After I received what I thought was the approval. I called them to confirm and they reminded me about the $5,000 bariatric deductible. Then they cover 100%. I also called the doctors office to inform them about my approval. I was told to call them because the insurance company will notify the patient first and it could take days or weeks for them to notify the doctor.

I have a co worker that had a procedure last April and she only paid $1300 out of pocket. Less than 30 days after her procedure she received a full refund from the doctors office. Not sure why and she didn't ask any questions. after some research, I found out that her surgeon doesn't have the best reputation, that's why I chose not to go that route.

@lauriev. My surgery is on a Wed. I'm super excited and its good to Know someone that has gone through the experience. I really appreciate it!