I have UHC and had already met my $500 deductible so did not have to do that. I started this process on 7/31 and so far the tests, visits and bills for anesthesia and biopsy from endo total $11,300. I have paid around $400.00 out of pocket for co-pays. My insurance cover hospital at 90-10 up to $1,000 out of pocket. The hospital give you a price based on what they estimate the insurance will cover. I have heard and won't know for sure until I have my surgery, that the hospital where I am having my surgery, will keep any money you have paid for procedures based on their estimate and then apply it toward your surgery bill. My endoscopy was over $7,000.00 for the procedure, but I had a bravo chip put in to monitor esophagus acid. There was a $500,00 plus bill for anesthesia, my doctor's fee was about $675 and there was a biopsy charge of about $350.00.

I believe that I will have about another $500 out of pocket and then should be good. If I do not have surgery before the end of the year, I get to start over in 2014 with a deductible. Next year it may not be $500 but $1,000 and the coverage might be less. It all depends on the contract my employer works out with the insurance company. I am really hoping that I am able to have surgery in 2013.