on to the next step with some questions.

[babyk 1]

SO I just got off the phone with the insurance company and I am a bit confused. I have Blue Shield/Blue Cross PPO insurance with a $6,000 deductible. I have already paid $3500 (for other medical stuff) Therefore, I have $2,500 remaining until I meet my deductible. The guy form the insurance company said that I would have to pay the $2,500 BEFORE the surgery (if I get approved) and that Blue Shield will pay anything after that. I am confused. I was always under the impression that I am obligated to the $2,500 but not until AFTER the surgery, when the bill comes????? Please some explain this to me.

Also, I am assuming that my next step is to go to a surgeon that is "preferred" by Blue Shield to set up a consultation, where the surgeon can then submit a request for approval from the insurance company? is this correct??

any help is greatly appreciated.!!!!!!!! :grouphug:

[kelking 0]

You will probably have to pay on the date of your surgery or at your last pre-op appointment, since this is an elective surgery and they know where you are at in your deductible.

[Beachbunny 5]

do you have a co insurance as well? I have a deductable too. We have met our deductable for the year but also have a max out of pocket of 3000 individual. So if the 10% is high i could have to pay 1500 or more for surgery.

[spoiltmom 44]

That's the way hospital's work now days. You must pay up front. It sucks but that's how it is.

[babyk 1]

sorry this took so long but i really appreciate everyone's replies..

i have to pay an $800 doctor fee and the rest of my deductible which is around $2,500 on the day of my surgery. this is alot of money but fortunately i will be able to take care of it.

i do not have a co insurance. i am on my mom's insurance from her work. we have pretty crappy insurance to try and cut the cost of bills. (that's how it was explained to me by my mom)

:]

[Beachbunny 5]

I can understand paying the Dr upfront but most hospitals bill the insurance first then bill the pt after.