So i have Highmark, BCBS insurance and i'm in PA. My surgery is slated for sometime in mid-January, this is my third almost fourth month of supervised PCP weight loss/exercise. My question is, how soon after will i have to pay my deductible for surgery? I've already paid my co-pays for doctor's visits and for my pre-op testing. My workplace offers a payment program loaded onto a credit card that is deducted from your paycheck, in manageable amounts every pay, i was thinking of taking advantage of that. Anyone know when actual surgery payments begin after surgery?

I believe that this policy is set by the medical center where your surgery will be performed, rather than by the insurance company. Because they consider bariatric surgery 'elective', mine required that the deductible and co-pay be paid in full in advance. I'm sure this policy varies from hospital to hospital though. Your surgeon's office should be able to confirm when your share of the payment will be due.

Hi, I am in WV and have Highmark BCBS. My company went to a high deductible plan with health spending account last year. I highly suggest you take advantage of the HSA. If you are familiar with Flexible Spending Account, it is lose if you do not use! With HSA, your deposits roll over. Last year I made sure I had enough in there to pay for my deductible for the year. It's worked very nicely. Your hospital will work through your payment plan with you. What will be nice, is your deductible will be paid early in the year so all subsequent medical bills can be billed to your insurance.