Hi!

I'm a newbie. This question has probably been answered many times so I do apologize, but outside of Insurance (my insurance will cover the surgery) what were some of your estimated out of pocket expenses? I have BC/BS of Oregon through for state employees with a ded. of $1000 that hasnt been met yet, so I was just trying to get an estimate.

Thanks!!

-Rachel

here are my actual expenses (in NYC):

psych consult: $275

nutritionist consult: $325

hospital co-pay: $250

PCP co-pay: $80 (spread across two visits)

i didn't have any co-pays or OOP for my esophagrams, surgical consults, pre-op testing (ekg, bloodwork, chest xray).

I have tricare and had no copays. I did have an out of pocket expense of 1200 though for what the surgeon's office called "admin fees" it also included my protein shake mix ...200 dollars for that.

I paid $1200. total

I have so far paid around $1400 so far. I have insurance coverage that pays 90% after a $300 deductible. With a max of $2000 per year I will have to pay out of pocket. However, there are things not covered for expample nutrition consults, copays for office visits, etc...

Things I've bought that ins didn't cover....lots of protein shakes for my preop diet (and baked fish and chicken)...but that cost way less per week than I was spending on groceries. I'll buy my surgeon's chewable vitamins and protein powder (probably about $100 for 3 months if I remember right)....and I splurged $40 on a mini food processor for when I'm doing mushies. Will save me dragging out the big one, and it was pink and too cute to pass up! LOL

Otherwise, nothing. Is that what you meant? My ins has covered everything else, subject to it's deductible, copay etc.

Co-Pay, $15 each:

PCP (3 times)

Psych

Nutritionist

Surgeon

Outpatient Surgery

$100 for the 20 session Weight Management and Lifestyle Class

$250 up front program fee

$95 nutrionist & psych evaluation

$1000 admin fee 7 days prior to surgery (not billed to insurance)

+10% of whatever the doctor charges (insur pays 90%)

insurance pays 100% of hospital, pre-testing, etc