BCBS Federal Basic Insurance - Please help

beachlover09 · October 28, 2011

I had my surgery October 3rd. I received my bill, and it says I owe $1612. Everyone I have talked to on these forums said they only paid $150 copayment. My insurance rep told me that if I could get someone else's ID number, she could compare to see what the problem is with mine. Is anyone sweet enough to give me their ID number? Or I can give you my insurance rep's name and number. You can call her or she can call you to get the info? I would appreciate it so much! I was expecting only a $150 copayment and not this crazy amount. Thanks so much.

Mel34 · November 1, 2011

Beachlover,

I haven't had my surgery yet, but i'm thinking that they probably put in the wrong "code" or something to that matter. I'm also only suppose to pay $150, like every basic plan. And try talking to someone different because not all of those "representatives" know what they are talking about.

Have you talked to your coordinator? The one who submitted the package?? I don't want to run across this problem

Let me know what happens. I'm VERY interested in what the outcome is.

beachlover09 · November 1, 2011

I found out that my surgery was billed as outpatient surgery. If you have basic plan, you pay $150 co pay for outpatient surgery, plus 30% of all agents and drugs. So, the $1612 is 30% of my staples and drugs I got while in the hospital. I am paying $800 my part for the staples alone. One shot of zofran for nausea was $423, my part was $126.90. If I would have stayed for inpatient surgery, I would only have to pay $300 total for two days. I would definitely talk to your surgeon and make sure you are going to be inpatient. My surgeon's office nor my insurance rep failed to tell me this info. It could have saved me over $1300. UGH. Oh well, at least I'm not paying the total $41,800 that the surgery actually cost. Good luck Mel34. Keep me updated with your progress.