Blue Shield of CA

[LapbandLo 294]

I'm on a crazy posting spree lately! I have an *** with Blue Shield of CA and I was wondering if anyone else has this insurance? I'm not able to really get a price estimate until my pre-op consultation and I'm antsy to know what kind of money I'm looking at. I'm thinking most if not all will be covered since they had me to a 6 month program and meet with dieticians and psychiatrists etc...

[LapbandLo 294]

H .... M.... O * why did the site out asterisks on that????

[JT76 6]

I have blue shield of ca and they told me about $6k due to my share of cost copay. But I have been paying into it with othe dr visits on my kids. So I may only need to pay like $5k. My co pay on office visits are $40. We may have different plans. I suggest u call them and ask.

[LapbandLo 294]

I have blue shield of ca and they told me about $6k due to my share of cost copay. But I have been paying into it with othe dr visits on my kids. So I may only need to pay like $5k. My co pay on office visits are $40. We may have different plans. I suggest u call them and ask.

OMG, I hope so.. I don't have $6,000..... not anywhere close to it and my Care Credit limit is barely $2k... I have 3 appointments next week with my surgeons office. I'm going to ask them and I PRAY that it's covered or less than 1k out of pocket.

[Cocoabean 430]

I had the H M O of BCBS Access Plus in California, is that the same one? Mine was just co-pays all the way through. the biggest being the hospital co-pay of $150 per day (one day). This was 5 years ago.

And I stayed within my H M O network. That can make a HUGE difference.

[LapbandLo 294]

I had the H M O of BCBS Access Plus in California, is that the same one? Mine was just co-pays all the way through. the biggest being the hospital co-pay of $150 per day (one day). This was 5 years ago.

And I stayed within my H M O network. That can make a HUGE difference.

Mine's Blue Shield of CA which from my understanding is not affiliated with Blue Cross Blue Shield. I have an H M O and a specific Medical Group(Mercy) and everything I've done has been with Mercy contracted doctors, psychiatrists, nutritionists, & physical therapists. I've had a $40 co-pay for almost all visits.... I did try calling the insurance company but none of the reps seemed to give me the info I need. I feel more comfortable speaking to my surgeon about costs/financing so I'm going to ask on Tuesday.

[AMW0219 7]

I work for BCBS if Illibois. We do a lot of calling to other states and you are right, Blue Shield and Blue Cross of Cali is different than BCBS, they are actually pretty much like 2 different companies. I am a customer advocate but I handle PPO accounts. We have ways of getting pricing as long as we have the right info, not sure why they couldn't do that with an ***. I would call them back and if you have to, ask to speak with a supervisor

[LapbandLo 294]

I work for BCBS if Illibois. We do a lot of calling to other states and you are right, Blue Shield and Blue Cross of Cali is different than BCBS, they are actually pretty much like 2 different companies. I am a customer advocate but I handle PPO accounts. We have ways of getting pricing as long as we have the right info, not sure why they couldn't do that with an ***. I would call them back and if you have to, ask to speak with a supervisor

Good idea, I will try that! The surgeons office called me and said they received prior authorization for surgery, but they didn't mention one thing about costs. I've seen the surgeon 3 times now. I kind of thought they would have mentioned it"(additional out of pocket) by now to prepare me.

[AMW0219 7]

Yeah my surgeon gave me an estimate on what to expect in terms of coverage the day I went in for me 2 week pre op appointment. I honestly don't know much about ***'s but with a PPO you have an out of pocket maximum and with all the health issues and tests I have had done this year mine was met. I had 100% coverage for mine and I just saw the claims and one was 28,000 for the surgery center/surgeon and the other was 2500.00 for the anesthesia.

[AMW0219 7]

Haha it got me on the H M O too lol

[LapbandLo 294]

Funny..... The hospital called me shortly after I posted this. They said according to my insurance and benefits I'm looking about $2500. My job has a program that pays 20% of any out of pocket so that's about $500

Not so bad I guess....$2000. Looks like I'm applying for another credit card tonight lol.

[PrettyThick1 1,860]

My out of pocket with BCBS TX was $2,100.00

[Cocoabean 430]

Mine's Blue Shield of CA which from my understanding is not affiliated with Blue Cross Blue Shield. I have an H M O and a specific Medical Group(Mercy) and everything I've done has been with Mercy contracted doctors, psychiatrists, nutritionists, & physical therapists. I've had a $40 co-pay for almost all visits.... I did try calling the insurance company but none of the reps seemed to give me the info I need. I feel more comfortable speaking to my surgeon about costs/financing so I'm going to ask on Tuesday.

I am a little late replying to this, and I see you heard from the hospital. But you should be able to check online for what your hospital benefits are. Check your insurance card for the website. I know we don't have the same company, but you should be able to look it up, just to verify what the hospital told you was true. I didn't know I had a hospital co-pay (oops, my research was flawed), but when I looked at my plan..yes I sure did.

You might also be able to find your plan brochure online.

[LapbandLo 294]

I am a little late replying to this' date=' and I see you heard from the hospital. But you should be able to check online for what your hospital benefits are. Check your insurance card for the website. I know we don't have the same company, but you should be able to look it up, just to verify what the hospital told you was true. I didn't know I had a hospital co-pay (oops, my research was flawed), but when I looked at my plan..yes I sure did.

You might also be able to find your plan brochure online.[/quote']

Thanks. I have no hospital co pay. The only reason I have to pay at all is because I didn't meet my 3,000 deductible this year.

[crystaleffexx 18]

My out of pocket with BCBS TX was 2' date='100.00[/quote']

Really? I am trying to find an insurance that will cover me my BMI is 35 did they give you any issues? Maybe BCBS of Texas is the answer I live in DFW