mommync2

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 am new here and just started exploring the option of the LapBand. I am 32 and have a BMI of 42. I have BCBS of NC the PPO version. With my insurance there is no manditory 6 month diet restriction. But I'm reading alot on here about a letters from your dr stating the medical necessity . I just recently got a family doctor before that I was always seen in urgent care if I was sick. Does the letter of medical necessity have to come from a family dr. or can it come from the surgeon who is to perform the lapband? I do not have any health problems so I do not have any other doctors like cardiologists, etc. Thanks in advance.