Does anyone have blue cross blue shield anthem health savings account insurance. I did some research turns out my insurance covers the procedure however I have a deductible of 2900 and a max out of pocket of 6500. Can everyone share your experiences with the hospital what were you required to pay day of surgery? Was it your full deductible? I asked my surgeon office but no one is really giving me a straight answer and I would like know what to plan for as I am 6 to 8 months out from having surgery. Any feedback would be greatly appreciated.

I have the same insurance. When I go for my pre-op, I will let you know if I had to pay anything up front.

I have the same insurance. When I go for my pre-op, I will let you know if I had to pay anything up front.

Thanks [emoji1374]

Hey I had my pre-op today but I wasn’t told how much to pay yet.

I have BCBS of MA and I have a HSA as well. I had a 3000$ deductible. I had to meet that deductible for the surgery to be covered. Thankfully my 2 office visits, Endoscopy, and 2 ER visits took care of my deductible and my surgery was covered 100%

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I have BCBS of MA and I have a HSA as well. I had a 3000$ deductible. I had to meet that deductible for the surgery to be covered. Thankfully my 2 office visits, Endoscopy, and 2 ER visits took care of my deductible and my surgery was covered 100%

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My deductible hasn’t been met for this year so you’re saying I will have to pay the entire deductible before I can actually have surgery?

My deductible hasn’t been met for this year so you’re saying I will have to pay the entire deductible before I can actually have surgery?

If you have not met your deductible yet then that is what you will more than likely have to pay for the surgery.

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Yes ma'am because I didn't meet my deductible either

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My dad has that insurance and yeah you have to meet the deductible before surgery will be covered

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So I finally found out what I had to pay. My surgery is March 16th but before my surgery I have to pay $2083.77. That is my full deductible which is $1500 plus 20% co insurance. Not sure why 20% but that's what I was told.

You can set up a payment plan for what you owe. I told the hospital that I won’t pre pay anything until after the surgery. They can bill it they insurance and BCBS will make their adjustments (assuming you using an in plan hospital). When you get your bill tell them you want to start a payment plan. I went out as far as 24 months and they don’t charge interest. As long as you’re paying something they can’t sent you to collections. So if you can’t make your full payment make a partial. At some point you can renegotiate as well and stretch it out farther.

I had the same 6500 deductible

I have 2000 saved so hopefully they will accept that and bill the rest