Another insurance question

[sammi123 116]

So I have UHC and my work pays 100% for weight loss surgery.

My question is, does that cover my phyce evaluation, labs, EKG, nutritional visits, etc that they need before surgery?

Or will I have to pay for those?

Thanks guys and happy Losing!!![emoji4]

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[frust8 962]

I think that it will pay for it all unless you have one of the plans with deductibles.

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[Diana_in_Philly 1,426]

Odds are they will cover most of that but you will have copays. E.g. if a specialist visit costs $30 under your plan, that's what you'll pay to see your surgeon, psychologist and/or nutritionist. If lab work has a co-pay of $10, that's what you'll pay. If you have a deductible that needs to be met, you will have to pay that part before they start to pay. So if you have a $250 deductible, you will have to pay that amount out of pocket for various services before they will start paying. Call the number on the back of your card and ask someone at your carrier what you will be responsbile for. Every plan is different.

[Sleeve1stFitNext 924]

Most likely, you will have co-pays (Pysc Eval & Nutritionist). However, these services (Labs & EKG) are usually covered by your insurance.

Unless you have a deductible that you need to meet before they cover the whole amount. Mines is $250 deductible (out of pocket) with 90% coverage. That means I had to pay $250 out of pocket prior to them approving me for surgery. That, however, was met by previous Doctor visits.

Edited March 24, 2018 by Sleeve1stFitNext

[newmebithebypass 713]

I am covered 100% with care first but I just have to pay copays 20 for my surgeon and I had 10 for the psych eval I think I will have 200 for the hospital and 200 for anesthesia so all in all I will be out like 500 total

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[sammi123 116]

I do have $750 deductible. So my copays will go towards this? I am confused.

[sammi123 116]

Oh ok. I see now. So my co pays will go towards my deductable?

[shelleycakes 2]

On 3/24/2018 at 10:52 AM, sammi123 said:

I do have $750 deductible. So my copays will go towards this? I am confused.

No, copays do not apply to the deductible. They will apply to an out of pocket maximum if your plan has one. You'll have to check your plan details to be sure.