Insurance

[Aworknprogress 35]

I have a quick question I'm in the last stages of getting approval for the gastric sleeve surgery,up until yesterday I was excited.Reason being is because I decided to call my insurance company just to ask some general questions.I basically asked about coverage I have BCBS NY.I wanted to know about the coverage of the surgery the rep I spoke with yesterday mentioned something about my out of pocket cost saying that if it was at like $600 it would be 80% coverage and if it was at $3500 it would be 100% coverage.She didn't go in depth on my situation specifically she was really just speaking in general well anyways I'm worried now cause i started doing the math and I really can't afford to pay huge amounts like I have bills so idk.Also she mentioned they cover up to $20,000 in full for bariatric surgery as like the max amount.I guess my question is if there is a out of pocket cost is that something that is expected all at once,or do they allow you to pay it over a course of time.Or is that I have to pay it up front or no surgery at all?Sorry if I'm all over the place but I'm just extremely worried now...and maybe I am just getting ahead of myself and need to be patient and wait to see what the outcome is but that is eaier said than done

[MissSimpson 81]

I had to pay the hospital like $2000. My BCBS covered something like $25000. The hospital wanted 40% up front.

Edited January 5, 2018 by MissSimpson

[Aworknprogress 35]

5 minutes ago, MissSimpson said:

I had to pay the hospital like $2000. My BCBS covered something like $25000. The hospital wanted 40% up front.

Is that how much the sleeve cost?$25,000?

[MissSimpson 81]

2 minutes ago, Aworknprogress said:

Is that how much the sleeve cost?$25,000?

The guy at the hospital quoted me something like $26,000 something. I’m not exactly sure because he said the number and I was SO shocked! Maybe it is, if BCBS will pay $25,000 and I had to pay around $2,000?

[Aworknprogress 35]

1 minute ago, MissSimpson said:

The guy at the hospital quoted me something like $26,000 something. I’m not exactly sure because he said the number and I was SO shocked! Maybe it is, if BCBS will pay $25,000 and I had to pay around $2,000?

Ima just hope for the best,ty for responding