readyforchange2014

i'm also thinking about sleeve with Kaiser HMO. What hospital did you have the procedure at?

I am brand new to this process; I haven't had an initial consultation yet but I'm trying to be proactive SO how did you pay your deductible in order to have surgery? I already know my deductible is $3200 and must be paid prior to surgery. I have no idea how I will pay it as my credit is not good at all (I am working on it though).

Ok thanks everyone for all of your responses. So, I'm sorry for being kinda slow but I am still baffled by the deductible process. My deductible was originally $3200 but when I took my ex off of my insurance it lowered to $1600. I ended up paying $100 OOP for my psych eval and I just got the bill from my labs and X-rays and the hospital billed $1759 of which my insurance covered $1167.98. Does that mean I don't have to pay the full $1600 before surgery? I'm so confused. When I contacted the surgeons office to ask if they had a payment plan option for my deductible prior to surgery they responded "you can put it in a credit card. Hope that helps" ...um, no that didn't help at all; credit wise I don't have the option of putting it on a credit card.