Coverage

[KristenC 13]

Who is the best person to call to find out if I will have to pay anything out of pocket for my surgery?

My surgeon's office or my insurance company?

[ansoninc 16]

I suggest calling your insurance company. They know what your deductibles are. i could never get a straight answer out out of my doctors office as to how much I would owe him after insurance. Turns out I had used all my deductibles ealier in the year for something else and my bill to him was 19.99 and 110.00 to the hospital.

[Amanda1982 142]

Insurance...... my out of pocket max is $2000 once I meet that my insurance covers everything 100% I couold not get a striaght answer at first either.

[KristenC 13]

Thank you ladies!

[MaggieB 6]

I would call the insurance company first then verify with doctors office.

[StacyS 2]

I highly advise to call both! My insurance told me they covered 100% but when I went to see the only LapBand surgeon my insurance covers in the surrounding areas, he charges a "Program Fee" of $600 that is above and beyond what insurance pays. I then called other surgeons even though they may be farther away from me and they too had Program Fees or Facility Charges which are an out-of-pocket expense that is not covered under insurance. So, I would call both and see what exactly your insurance covers and what your surgeon charges as out-of-pocket fees..... Be very prepared!!