I pay 20% :/

[natashad 0]

Hello!

Not too sure if this has been asked yet.

My insurance covers 80% of the surgery. My max out of pocket it $3,500.00

My question is, if the 20% is higher that $3,500, do I have to pay all?

Next question is, has anyone financed that 20%? How was it?

Thanks so much for all your input.

[Rachel412 116]

I had to pay 20% too. It's rough, I'm sorry. We saved for a year. Once you hit your $3,500 OOP you shouldn't have to pay any more. I actually ended up paying less than I expected to, but I could never get anyone at the hospital or surgeon's office to give me a price to expect the surgery to cost.

As for the financing... no help with that here, I'm afraid.

I also had to do the 6 month wait... wonder if we've got the same insurance? Mine's BCBS of PA.

[Fessie 7]

Hi,

I'm not sure if it is offered in your area or by your provider, but my surgery center in Texarkana, TX has an agreement with Care Credit Health Care Finance for 12 month no interest. It is basically a credit card for health purposes if your doctor/hospital accepts it. I was approved for the amount that my insurance wasn't covering in about 3 minutes and I have a year to pay it off with no interest. It might be worth checking into and good luck with finding a way to complete your process.

This link takes you to their site and it might help provide some more answers for you.

My link

[natashad 0]

Thanks ladies.

Very kind of you for your info. Rachel, I have healthnet. HMO

Fessie, I've read about care credit but I didn't about the no intrest 12 months. That's awesome.

Thanks again and good luck to both of you.

[Diva01 1]

My out of pocket max is 2,500 and that is including my $500 deductible if I have not met it. When I called the insurance company she said that once I pay the $2500, that is it! I don't owe any more money during that insurance year (mine is Sept to Sept). I hope this helps.

[natashad 0]

My out of pocket max is 2,500 and that is including my $500 deductible if I have not met it. When I called the insurance company she said that once I pay the $2500, that is it! I don't owe any more money during that insurance year (mine is Sept to Sept). I hope this helps.

I called them and they said the same. Thats real good for me. I might not even reach that high.

[Grider 92]

Hello!

Not too sure if this has been asked yet.

My insurance covers 80% of the surgery. My max out of pocket it $3,500.00

My question is, if the 20% is higher that $3,500, do I have to pay all?

Next question is, has anyone financed that 20%? How was it?

Thanks so much for all your input.

[Grider 92]

i hear it's important to see how your drs and hospt code thier claims, out- patient in -patient et etc and if they are providers- what will they accept, and what is the allowed amount, by the ins co.I have to pay 30% of the allowed amount for the band.. can i bring my own ??lol.. i have to I applied for carecredit on line and already have $ available prior to my surgery, and i am shopping around cause- like gas stations they are NOT the same. negotiations are possible too.

i have checked 3 surgeons, admin fees where 1000, 700 and 500, I found one with NO fees, so im going there tomorrow,

[natashad 0]

i hear it's important to see how your drs and hospt code thier claims, out- patient in -patient et etc and if they are providers- what will they accept, and what is the allowed amount, by the ins co.I have to pay 30% of the allowed amount for the band.. can i bring my own ??lol.. i have to I applied for carecredit on line and already have $ available prior to my surgery, and i am shopping around cause- like gas stations they are NOT the same. negotiations are possible too.

i have checked 3 surgeons, admin fees where 1000, 700 and 500, I found one with NO fees, so im going there tomorrow,

Very insightful! Thanks for your reply. Kinda hitting a road block today. Putting up a new post next.

[Wheetsin 714]

You will pay the lower amount. So if 20% is greater than your OOP, you will pay your OOP. If 20% is lower than your OOP, you will pay 20%.

HTH

["AmyRose" 2]

The max you should pay is $3500. Do you have a flex spending option with your benefits? It is cheeper than financing

[natashad 0]

Im not sure AmyRose. I will ask that next time I call them. Thanks you guys!

[Grider 92]

My ins said I pay 30% of the allowed amount of the band thingy,,, $150 dr and $75 hospt out patient, but you know there is a fee for the thermometer and the washing of your open gown and the pain meds, not to mention the suture string- , but i was told they have payment plans and none has ever NOT gotten done. Thats good to know. I am walking by faith, it will all work out.

[shellyshellybyebyebelly 1]

My deductible is $2000- Noone has mentioned it- I am wondering if I will need a check that morning or if I will get a bill from the hospital? My surgeon uses a hospital not day surgery center so I am kinda hoping they just send me a bill after and I can work out a plan...