Ive Got Insurance Coverage, But I Think It Might Suck Lol

[GonnaBHotMama 18]

Found out today that my insurance coverage is only at 50% with no cap off and my $750 deductible. How much did some spend on their surgeries with these kinds of coverage? I have heard some say there is a cheaper route with using a surgical center? I think is what Ive read, but I would love some advice about this. I have hit a few speed bumps in my process and Im kinda bummed out. I know that I'll get there, but dang...what a bummer. Thx for the help yall!

[savinggrace 6]

Hopefully something works out with your insurance. These honestly are the most difficult questions for myself to answer since different insurance companies have different criteria. Good luck, and keep us posted.

[former_vbg 198]

Well, that does suck with a capital "S". Before you start thinking you would be better off with self pay, you might check to see what the contracted rate they have for the Sleeve. Depending on the area, I'm going to say the Dr.'s only get around $8K, but then you also want to think about all the ancillary charges like the anisthesiologist, the overnight (or 2 ) at the hospital, etc, etc.... Everybody puts their hand in the pot looking for money. Not to scare you, but I have Aetna PPO who approved me pretty quickly. I saw the EOB and Aetna was billed $83,000 for my hospital bill (2 nights) and I had absolutely no complications or special needs (they were "only" paid $52,000). Then, there was a bill from the Dr. for the surgery and I want to say he billed something like $15K, was only paid $8K, then there was misc bills for blood work, anisthesiologist and I can't remember what else. If you want to see my EOB's, I am happy to share them. I will omit any confidential information, but that can give you an idea of what all is billed. The other thing to consider since you have no cap is that if there are complications, you won't know that until after its all done. I would say just do your research on all your options and then decide what you are most comfortable with. I know some people have said they have purchased some sort of post-op care insurance for U.S. patients that covers them if they paid a set price for their surgery and then encounter complications. It's been quite some time ago, but I want to say it was like maybe $250. I have a friend who had the Sleeve the same day as me, same hospital, different Dr. and paid $12K for the whole thing. Don't ask me the desparity on that one because it made no sense to me except they know how to work the insurance companies. Good luck!

[GonnaBHotMama 18]

Thx! I'd love that! That way I can write down some different areas up for charge and find out more info beforehand. I know it depends on how they bill stuff too. I hope I can figure all this out! Otherwise, they can bill me and they can hope I can afford it! lol

[former_vbg 198]

PM me your email address and I will try to get those to you in the next few days. I'm in the middle of a bathroom remodel, so things are a bit hectic at the moment.

Thx! I'd love that! That way I can write down some different areas up for charge and find out more info beforehand. I know it depends on how they bill stuff too. I hope I can figure all this out! Otherwise, they can bill me and they can hope I can afford it! lol