Last pre op appt, payments to hospital??

[stibitzal 20]

Went for pre surgery testing on November 6th and surgery is scheduled for November 21st and no one from hospital has yet to reach out to me to say what I will need to pay before surgery. I have 2 different insurances one deductible is 2,900 and one is $750. At the pre surgery testing they did have me sit down with registeration but she just verified my insurance and employment. I am just about a week out and nervous about a surprise from the hospital after reading other people’s post. Should I reach out to the hospital? I wouldn’t even know where to start. Anyone like to share their experiences

[Hrsnjs 267]

Went for pre surgery testing on November 6th and surgery is scheduled for November 21st and no one from hospital has yet to reach out to me to say what I will need to pay before surgery. I have 2 different insurances one deductible is 2,900 and one is $750. At the pre surgery testing they did have me sit down with registeration but she just verified my insurance and employment. I am just about a week out and nervous about a surprise from the hospital after reading other people’s post. Should I reach out to the hospital? I wouldn’t even know where to start. Anyone like to share their experiences

I had to wait til mine was scheduled to get the payment due amount from the hospital. I called billing for it. A couple of days later the program manager at my bariatric office called and gave me the info also. I didn't know they would be doing that. I knew that I'd have to come up with the copay, deductible and out of pocket max. But since you have double coverage it may be different. If your bariatric office has an office manager or program coordinator I'd start by calling them and asking how you get the info.

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[Jolexis 203]

I have double coverage too. They sent the bill to the first insurance like 2 weeks after the procedure and then to the 2nd insurance a week or two after that. How it worked for me was the first insurance paid everything but the deductible and then the 2nd insurance paid the deductable of the first insurance and no other costs came out of it. I'm sure they all work differently but that's just how mine processed 🤷🏽‍♀️

[Frustr8 7,886]

And it sounds like a good deal was done for you. Lets hope our OP HAS such such good luck!

[Queenbee34 71]

Two insurance are a wonderful thing to have. Call the billing dept of the hospital and they should be able to give you pricing. Some hospitals will give you a discount if you pay the full balance in full before the surgery. If you can't pay the total amount due then you can make payments after your surgery.

[stibitzal 20]

Update. I called billing and she said until I have the procedure they wouldn’t know anything 😔

[BlueCrush 408]

Having two insurances is likely what's causing them inability to calculate. They will send to your first insurance, and then whatever is due after that (what they would likely have billed to you if you only had 2 insurance), will then be sent to your second insurance. If anything is still due, they'll send to you.

[stibitzal 20]

Thank you everyone for your guidance. I called the hospital on Wednesday to find out what I would owe and some one told me I would owe the deductible from my first insurance and they wouldn’t even touch my second insurance which sounded fishy to me because both insurances cover Bariatric surgery because I had to do the pre surgery program required by both insurances hence why it took me a whole year to get approved.

so I went to the hospital which is 2 hours away I just couldn’t sleep at night not being truly prepared. The surgery registration said exactly what bluecrush said in the previous comment and that they can’t collect an accurate payment because of the two insurances so I don’t pay anything until after. The registration lady in person said The woman on the phone never pulled my account up she just told me that because people that don’t have 2 insurances have to make up deductible.