Ok I am feeling dumb.

Do I need to meet the whole deductible for the year in order for them to cover my surgery? Will I be responsible to pay the first 11,000 which is my yearly deductible,or will I just need to cover my regular copays?

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I would think you will have to pay your deductible. Your surgeon's office should be able to help you. Also, I found my insurance company very knowledgeable and helpful as well.

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I have BCBS Fed Basic and all I had to pay was for the different Co-Payments, and the 30% for certain things that were used at the hospital. I have not received that bill yet, but I've already paid all my co-paymemts.

I'm not aware about it having a deductible. Call BCBS to get clarification.

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