Insurance Question

[Ready4aNewLife 1]

Well I have called both my insurance companies already and I know that my BCBS and Medicaid does cover bariatric surgery. I was just curious if anyone knew how things worked when you have a primary insurance with BCBS and medicaid as a secondary insurance. How does the coverage work for medicaid as a secondary insurance? Will medicaid cover all of what BCBS wont cover or just a certain percentage?

[DivaDee84 12]

Depends on the state your in...I work at a hospital and patients come in a lot with Medicaid and they end up with a bill because most bariatric doctors do not accept Medicaid. Try just using your BCBS & see what happens. Inbox me if u have questions..

[Ready4aNewLife 1]

Depends on the state your in...I work at a hospital and patients come in a lot with Medicaid and they end up with a bill because most bariatric doctors do not accept Medicaid. Try just using your BCBS & see what happens. Inbox me if u have questions..

I know that my BCBS and my medicaid covers the surgery. My surgeon also takes BCBS and medicaid. I was just wondering how the insurance works when you have two insurances like that,

[Day Dreamer 23]

I know that my BCBS and my medicaid covers the surgery. My surgeon also takes BCBS and medicaid. I was just wondering how the insurance works when you have two insurances like that,

They will bill to the primary insurance (BCBS) and then to Medicaid. However, if Medicaid does not cover the VSG, you will get a bill based on the BCBS out of pocket max. They will figure up how much you paid toward your out of pocket max / deductable and bill for the rest. If Medicaid will cover VSG, they will bill secondary to Medicaid for whatever amount BCBS did not cover. Basically, Medicaid could pick up what you would be left to pay out of pocket for BCBS.

Good luck!

[Ready4aNewLife 1]

They will bill to the primary insurance (BCBS) and then to Medicaid. However, if Medicaid does not cover the VSG, you will get a bill based on the BCBS out of pocket max. They will figure up how much you paid toward your out of pocket max / deductable and bill for the rest. If Medicaid will cover VSG, they will bill secondary to Medicaid for whatever amount BCBS did not cover. Basically, Medicaid could pick up what you would be left to pay out of pocket for BCBS.

Good luck!

Wow do I hope so! Thank you =) It would be amazing to not have any out of pocket expenses except the pre op diet!

[Valentina 2,642]

That's right. That's how it works.

Wow do I hope so! Thank you =) It would be amazing to not have any out of pocket expenses except the pre op diet!