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For those of you have January dates that were approved by insurance, do yall have deductibles that yall need to meet if so how are planning on meeting your deductible?

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Lol im an insurance agent, so I know how the deductible works, I really wanted to know how people plan on hitting their deductibles with surgery dates so soon after the deductible resets ☺

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Good thing our insurance starts over over every fiscal year. Our fiscal year begins July 1st. I have already met my 500$ deductible

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I have Flexible spending through my employer. The maximum is $2600 for the year and they will deduct that money from my checks every 2 weeks. So I'm taking the $2500 and putting that down for my deductible. I will not have to come out of pocket at once.

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$2000 max for the year, but because mine will reset come Jan, I'll be paying it all up front. At least that's how I think it works.

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$2000 max for the year, but because mine will reset come Jan, I'll be paying it all up front. At least that's how I think it works.

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Yes you'll pay that to your surgeon

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Yea I was trying for a december date because I had not only met my deductable but I had also met my max out of pocket for the year. I would not have had to pay anything for december date but now I have to pay 3500 because that is my max out of pocket and it includes my deductable. My copay is 20%. I am using FSA to pay for 1500 and the rest I will have to put on a credit card.

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Yea I was trying for a december date because I had not only met my deductable but I had also met my max out of pocket for the year. I would not have had to pay anything for december date but now I have to pay 3500 because that is my max out of pocket and it includes my deductable. My copay is 20%. I am using FSA to pay for 1500 and the rest I will have to put on a credit card.

I have 2500 deductible with a 2000 $ HRA, but my coinsurance is 10% and my Dr bills me so I'm not worried about my out of pocket max. But yes I wanted a December date as well because my deductible had been met and now ima have to weight until February for a date so I can use part of my income tax

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

Sent from my iPhone using the BariatricPal App

No, what is your coinsurance??? After you pay the 500 to your doctor, you'll pay what every your coinsurance is up to your out of pocket max after the deductible has been met. You can find out if your hospital will bill you so you can make payments on it.

Sent from my SM-G920V using the BariatricPal App

So I found out that 2000 is already given to us by the employer so I'll only be responsible for 500

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

Sent from my iPhone using the BariatricPal App

No, what is your coinsurance??? After you pay the 500 to your doctor, you'll pay what every your coinsurance is up to your out of pocket max after the deductible has been met. You can find out if your hospital will bill you so you can make payments on it.

Sent from my SM-G920V using the BariatricPal App

So I found out that 2000 is already given to us by the employer so I'll only be responsible for 500

Sent from my SM-G920V using the BariatricPal App

What is coinsurance?

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

Sent from my iPhone using the BariatricPal App

No, what is your coinsurance??? After you pay the 500 to your doctor, you'll pay what every your coinsurance is up to your out of pocket max after the deductible has been met. You can find out if your hospital will bill you so you can make payments on it.

Sent from my SM-G920V using the BariatricPal App

So I found out that 2000 is already given to us by the employer so I'll only be responsible for 500

Sent from my SM-G920V using the BariatricPal App

What is coinsurance?

Sent from my iPhone using the BariatricPal App

The percentage of what you pay and what your insurance will pay.

Example: a silver plan is a 30/70 plan,

Meaning, the beneficiary pay 30% after their deductible has been met and the insurance plan pays 70%

Sent from my SM-G920V using the BariatricPal App

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How does this all work? I have surgery on 1/23 but my insurance starts all over for the new year. My dr said two weeks before surgery they collect the deductible (which is $500). My out of pocket is 3900, so am I having to pay the $500 as well as the 3900 to the hospital for insurance to cover?

Sent from my iPhone using the BariatricPal App

No, what is your coinsurance??? After you pay the 500 to your doctor, you'll pay what every your coinsurance is up to your out of pocket max after the deductible has been met. You can find out if your hospital will bill you so you can make payments on it.

Sent from my SM-G920V using the BariatricPal App

So I found out that 2000 is already given to us by the employer so I'll only be responsible for 500

Sent from my SM-G920V using the BariatricPal App

What is coinsurance?

Sent from my iPhone using the BariatricPal App

The percentage of what you pay and what your insurance will pay.

Example: a silver plan is a 30/70 plan,

Meaning, the beneficiary pay 30% after their deductible has been met and the insurance plan pays 70%

Sent from my SM-G920V using the BariatricPal App

Oh okay the lady said it's 80/20 so does that mean the insurance pays 80 of the out of pocket?

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    • Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 0 replies
      1. This update has no replies.
    • Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. summerseeker

        Life as a big person had limited my life to what I knew I could manage to do each day. That was eat. I hadn't anything else to look forward to. So my eating choices were the best I could dream up. I planned the cooking in managable lots in my head and filled my day with and around it.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        I still cook for family feasts, I love cooking. I still do holidays but I have changed from the All inclusive drinking and eating everything everyday kind to Self catering accommodation. This gives me the choice of cooking or eating out as I choose. I rarely drink anymore as I usually travel alone now and I feel I need to keep aware of my surroundings.

        I don't know at what point my life expanded, was it when I lost 100 pounds? Was it when I left my walking stick at home ? Was it when I said yes to an outing instead of finding an excuse to stay home ? i look back at my last five years and wonder how loosing weight has made such a difference. Be ready to amaze yourself.

        BTW, the liquid diet sucks, one more day and you are over the worst. You can do it.

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