Federal Employee Getting Insured By Aetna On 12/27 - What To Pick For Weight Loss Surgery?

[Inline6E46 31]

Title says it all - im getting insured with Aetna on 12/27 and I need to finish my enrollment in the next week or two. Im still getting packets and paperwork and im a little lost. For those of you who do have Aetna, would you share some plan details? I dont need your insurance ID, numbers etc - just some basic information such as whether you have PPO or H MO and what selections you have. I know it varies from employer to employer, but having this kind of information on hand would be amazing.

Edit: *** censored? =(

[illgeturhairdid 176]

I have an EPO with a $1000 deductible, 90% coinsurance with a $2000 out of pocket. My deductible applies to my out of pocket. Having already met my deductible prior to deciding to have surgery, my surgery should not cost me more than $1000. I have a $25/copay for my PCP and specialist copays are $50. As you can imagine, those $50 copays racked up quickly for me. I've probably paid about $500 in copays. But it is so worth it!

Coinsurance- Amount insurance will pay towards medical costs. You are responsible for the remaining percentage.

Out of pocket- Amount of money you pay yourself before 100% coverage kicks in