My insurance will cover the lap band but my deductible is really high..$5000 after I meet the deductible the BCBS will pay 70%...My question is will I need to come prepared to pay my deductible or will the hospital make payment arrangements with me on the deductible? Any advice or help would be great.

I'm in the same boat...SO curious to know, too.

My bet is they will expect payment up front at check-in to the surgical center. I prepaid my whole band procedure since I was self-pay, but I had surgery on my left hand in May and when I got to the surgical center, I had to sign some forms and write a check for the amount they asked for. It ended up not being the total due for some reason and I got a bill for the balance. I took a couple of months to pay it since it was almost $800.

Call and ask what your financial obligation will be on the day of surgery so that you are prepared.

You may have to get financing if you can't pay it up front. Care Credit and capitol One both offer medical financing if that helps any.

My insurance will cover the lap band but my deductible is really high..$5000 after I meet the deductible the BCBS will pay 70%...My question is will I need to come prepared to pay my deductible or will the hospital make payment arrangements with me on the deductible? Any advice or help would be great.

My guess would be you have to come with the money. I had to have a cashier's check ready for them.