I have medical mutual insurance through my state employer. I know quite a few employees that have went through the surgery and none of them recall paying a deductible or a rather large deductible before pre-op. I was told by my advocate that I will need to pay $1500 before my pre admission, I have been working doubles like crazy to come up with this money before surgery in July did anyone else have this issue?

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@@Fredbear or you could explain WTF point you are try to make. For ME the ACA sucks. My congressmen voted against it. Why should I thank them for it? Other than thank them for doing what they could to keep it from happening.

@"kindle" I'm not sure why he's calling you blind either. No offense to Fredbear bc he usually posts helpful comments but that was kind of harsh :/

It's political, and therefore not appropriate to this discussion; no point in going on about it further here.

Oh I see. Gotcha. I am so incredibly thankful for my husband's insurance because I'm self-employed and would have to deal with Obamacare. I know he meant well but it's a disaster imo. Sorry, guess that's political and not helpful. I just feel really bad for those with bad insurance. It's so unfair [emoji45]

I have Obama care under the ACA and it's covered for me. I really just think it varies. My deductible is $500 while my max is $700. I had to make sure I got a good plan. Co pays are $5 for my primary and $10 for specialist. I guess I lucked up!

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Edited June 23, 201610 yr by charmming

I have paid a total of 2000 out of pocket and am financing the rest (a little over) 4K

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I have to pay 10% of my total costs, up to a maximum of $3000. No doubt I will hit that $3000, and I am happy to do so. :-)

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I have medical mutual insurance through my state employer. I know quite a few employees that have went through the surgery and none of them recall paying a deductible or a rather large deductible before pre-op. I was told by my advocate that I will need to pay $1500 before my pre admission, I have been working doubles like crazy to come up with this money before surgery in July did anyone else have this issue?

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I have to pay $3500..... pay that 1500 and run!!!!!

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IF my insurance covered WLS, my max out of pocket would have been $6000. That's a $3500 deductible plus 20% of the rest until it hit $6000. But instead, I had to self pay because my insurance (which costs me $350/month) doesn't cover WLS. So I saved every penny I Could, including forgoing vacations for 2 1/2 years, went to Mexico and paid $6500.

Obamacare sucks @ss.

I know someone personally that is getting surgery through the Affordable care act! Her surgery is this month. She asked which plan covers weight loss surgery before she purchased insurance. It does pay, you just have to pick the right coverage.

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No, it doesn't always pay. There are absolutely NO individual ACA policies that cover WLS in Idaho. And before ACA I had $30 dr visit copays, my deductible was $1500 and my monthly premium was $220. So I stand by my original sentiment.

It's your state's fault. If the law in your state says bariatric surgery is considered an essential health benefit than it must be covered under your obamacare health insurance. Idaho doesn't consider it an essential health benefit. Talk to your lawmakers.

http://www.bariatric-surgery-source.com/obamacare-weight-loss-surgery.html

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The real problem is the fact that the people deciding healthcare policies that impact you and me don't have the faintest notion what they are doing. It's the most predictable thing in the world that a bunch of knucklehead politicians monkeying around with healthcare can only make things less efficient, more expensive, and overall progressively crappier. It's like asking your surgeon to run an airline, or like asking a chef to do surgery. Predictably disastrous.

That said, my insurance was great, although I suspect that had a lot to do with the surgeon's staff knowing the plans and other clearing doctors, and how to expedite the process. I had surgery 2 weeks ago and haven't even paid a copay yet. So I'm not complaining personally. I'm thankful

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It's the insurance provider who set the prices and the individual who chose the plans. That being said, my OOP will be about $2000. Which I gladly pay for a healthier me.

If it weren't for Obamacare I would have never been able to get my surgery.....I had gastric bypass and my out of pocket was $6800 and my surgery was over $50,000 so I'm not complaining! [emoji7][emoji106]....and since I had my surgery in Feb that means everything for the rest of this year is paid in full [emoji3][emoji106]

It can be very complicated with insurance especially if you are paying deductible or deductible plus copay.

I only had copay and it was $300.

I will have a $200 flat copay. I chose the $0 deductible plan. All in all with the various copay's along the way for appointments related to the surgery it about $600 oop total for me.

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I work for a hospital and my co-payment is 7000.00... It was hard to meet! However, I succeeded!! I saved my receipt!!

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my OOP is $4500

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