I have BCBSNC. My policy covers the surgery, I've read over requirements and have found tons of information

What I'm not completely sure of is my out of pocket expenses

I know my deductible and my out of pocket limit, are those amounts combined for me to pay or is the out of pocket limit what I need to pay?

I have yet to make an appointment, trying to cover a lot of ground before I get my hopes up

Hope my question makes sense, I'm a bit confused :/ lol

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I'm starting fresh, I have been without insurance so I have been waiting. Self pay has been so expensive!

Not from experience, but from reading on here insurance companies can be tough to deal with. Hopefully you get approved, I think you will!

I also have a wonky thyroid. Hypothyroidism

I have seen BCBS updated their policy on the website, however I haven't seen a timeframe for that! I have seen the timeframe for tests and such, but none about a supervised diet

I know on the website for Bariatric Specialists of NC they do notify you of changes if you have BCBS about a 6 or 12 month program, but it's not in the policy. It confuses me, but I will find out eventually! Hoping it's not a 12 month thing, I can live with a 6 month program lol

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*wonky thyroid solidarity fistbump* - I was diagnosed as hypothyroid about 6 years ago, levels have finally been steady for about a year...I feel best if my TSH hovers around 1.8-2.5...if I go higher than that I feel like dirt

Self pay is SO expensive...I was self-pay for my first procedure because even though my BMI qualified, I didn't have at least two comorbidities that my insurance required for me to be approved. Being self-pay definitely made it more challenging because all my fills were out-of-pocket...any support services. Hindsight being what it is, I'd have chosen a different route....but you live and you learn right?

Do you know of any WLS support groups in the area? I know the Duke program has them in Durham and Raleigh but I'd love to also find something closer to where I am (holly springs area).

Over the years my TSH levels have been checked, they were normal to slightly elevated at time, nothing that concerned anyone until July of 2016 my TSH was 27!!

Self pay was terrible! I wouldn't recommend it to anyone. But you definitely live and learn, it taught me how valuable insurance is and I'm so happy to have it!

I have not checked into any information other than the facility and insurance info. I'm in Sanford. Apex and Cary aren't too far, I'm going to try to see if I can find any in that area

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Holy cats 27! Mine was only 6.8 when they caught it and that was already absolutely awful....I'm not sure I'd be functional at 27!

I recently found a PCP and my TSH levels have went down, 2.48 currently. I don't know how I functioned then honestly

I have BCBS NC and had my surgery last year. I would say that the safest bet is to figure it will cost whatever remains on your out-of-pocket maximum if you have a plan that includes separate company's (which typivpcally do not count towards your out-of-pocket costs) then add that copay in as well.

I used the cost estimator but don't remember if it was accurate. If it had been wildly inaccurate I'd probably remember, though, so I'm guessed NC it was correct within a couple thousand$ or so.

If you go to a Center of Excellence (which I highly recommend), then they usually have a person who can help you figure up your costs.

Avoid getting your surgery in late Dec if you can. I did it Dec 29 and had complications which sent m back to my local ER on Jan 2... which started a whole new deductible year! We will be paying off those medical debts for a loooong time