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How much do you pay with insurance?



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Even if you are approved. How much are you paying in addition?

Will I have to pay for the First consultation appointment?

BCBS said everything is paid for but people have been talking about fees that different Dr's have that are not part of the insurance stuff> (I think that is what they mean)

I hope I don't have to pay much because we are out of work. I thought if insurance covered it, it was all covered.

Thanks

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I'm hoping the same thing as well. I work for the company where the surgeon is located so I'm hoping I won't have to pay much out of pocket.

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I have federal BC/BS and I pay my regular co-pays. Doctor's appt is $30 for specialist, I had a $100 surgery co-pay. I also have to pay that co-pay when I have a fill. I know some docs include the fills for a year or something like that, so it really does depend on how they bill it.

Hope this helps.

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I have Blue Shield and from what I understand, I only have to pay my regular copayments.

  • $15 - office visits
  • $20 - psych eval
  • $0 - outpatient surgery

So far I've spent $80 out of pocket. :D

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I have BCBS PPO of Michigan and I have only had to pay my regular co-pay for psych eval, family practice doctor, and the cardioligist my family practice doctor made me see. I did not pay a co-pay when I had my consult. I do know that the required nutrionist appointment is not covered at all by insurance. My surgery is covered 100% with no co-pay but I will pay the $15 co-pay when I have fills. Insurance companies and plans vary so much, I would suggest calling them dirrectly and getting the information from the source!

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Each of my bi-weekly appointments I had a co-pay of $30 (for 3 months)

Fitness consult was a one-time fee of $20

I 'think' the psych eval was $30, but I might be wrong on that. Sorry.

Nutritionist was $100

My "portion" of the surgery was $300

So that's what?? Total of about $630 I think? Not too heinous. :tongue2:

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I have bcbs of nc i have to pay a 1000.00 deductible and 20%. Also 200.00 to the pysch appt and 100.00 to the dietician. Not trying to scare you but you should reallt call your insurance and ask them so you will know what to expect.

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The only surprise for me was anesthesia - I didn't ask, and they didn't tell me that the anesthesia group that the hospital used doesn't accept my insurance. This means that instead of no co-payment, I ended up paying a %.

My total out of pocket leading up to and including surgery was around $1000 because of the above.

Surprise!

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I am in the very preliminary stages, but have done research on my insurance coverage. I have United and they will cover 90% of all related surgery costs. I will have my regular co-pays ($30 for specialists), and will likely pay $1,200 out-of-pocket for the surgery. I can definitely live with that! :closedeyes:

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    • Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 0 replies
      1. This update has no replies.
    • Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. summerseeker

        Life as a big person had limited my life to what I knew I could manage to do each day. That was eat. I hadn't anything else to look forward to. So my eating choices were the best I could dream up. I planned the cooking in managable lots in my head and filled my day with and around it.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        I still cook for family feasts, I love cooking. I still do holidays but I have changed from the All inclusive drinking and eating everything everyday kind to Self catering accommodation. This gives me the choice of cooking or eating out as I choose. I rarely drink anymore as I usually travel alone now and I feel I need to keep aware of my surroundings.

        I don't know at what point my life expanded, was it when I lost 100 pounds? Was it when I left my walking stick at home ? Was it when I said yes to an outing instead of finding an excuse to stay home ? i look back at my last five years and wonder how loosing weight has made such a difference. Be ready to amaze yourself.

        BTW, the liquid diet sucks, one more day and you are over the worst. You can do it.

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