My Bill

[Wtloss 75]

Most insurances send you the complete bill, however they only receive the contacted rate from the physician and hospital. The contracted rate is considerably less and depending on if you have a PPO or *** will determine how much you owe.

If you have an *** and received prior authorization you only pay your copayment for either inpatient or outpatient surgery. If you have a PPO then it depends on your policy, but you still only pay your percentage based on the contracted rate not the full rate that you received a bill for. If your cash pay then you should have a flat rate similar to what others here have posted.

You can call your insurance and ask then your out of pocket expense.

Good luck!

[Sojourner 2,446]

My hospital bill was just over $44,000, which did not include the surgeon's initial fees of $695.00 and not billable to insurance.

The hospital bill was covered by our insurance at 100%, my only out of pocket expense was the $695.00 to my surgeon. Additional surgeon's fees are covered by insurance at 100%. The separate bill from the anesthesiologist was also covered by insurance at 100%,

Hospitals and other medical services providers do accept a much lower amount (referred to as an "assignment") from insurance companies. The entire system is broken...costs are unrealistically high.

[Antwan 9]

I work for insurance and what your seeing us an actual bill. But the good thing is the insurance company has what u call a contracted rate so that bill is that without the contacted rate they can't obtain money until after insurance has paid and then you will pay the rest. U can contact insurance provider relations our contact the bariatrics department and they can tell you the rates for that surgeon and hospital hopefully it's a par hospital.

[ldjstonband 27]

They charged for me a total of 74,000 and my insurance settled for 45,000 I think its total bs!!!!,

[joannedt 83]

I'm a self pay and my total was $15,000 on June 27, 2012 in California

[Kflower84 56]

I have BCBS of NJ *** plan. Each plan is different and is the patients responsability to know what is covered and how much is your responsability to pay.

Be careful. If your Dr is contracted with your insurance plan, by law he can't bill you the difference between the "Billed Amount" and the "Agree Amount". Drs always bill higher amounts in order to be able to get something close to their actual fee from the insurance companies. For example:

Billed amount for office visit : $100

Insurance agree to pay: $40

***Remaining $60 must be "write off" *** IF no Co-payment or Co-insurance applies.