Total Out Of Pocket With Dual Insurance

[Phil38783 0]

Hello all,

Just had the Initial meeting with the Surgeon today, and went thru all the insurance stuff with the insurance coordinator.....

.....as expected, I could not get a specific number or even a general number of what my finale out-of -pocket cost for this surgery would be. ($35k to $100K)

My primary insurance covers 80% of the cost associated with the surgery, I would assume my secondary would cover the remainder of the cost leaving me with a nominal amount to have to pony up before anything is done.

I have Banner Health insurance as my secondary, there is a min. $5K deductable for elected surgeries. She lead me to believe that I would have to pay that to banner before anything is done.

I would like to know if anyone has used dual insurance for their surgery and how much was their out of pocket expense.

Thanks in advance

Phillip

[andersonlj 32]

If this surgery is recommended by a weight loss doctor for health reasons then I do not understand how they can say that this is an elective surgery. I would call my insurance company and talk to them each personally. When I had my lapband done my insurance paid 80% and I had to pay 20% plus a $500 deductible. If you call the hospital and speak to their billing department they can give you an idea of what the cost of the specific procedure is going to cost. I can not imagine that you doctors office does not have this info or at least an idea if they have been doing these surgeries.

[Punkypoo 9]

You are so lucky to have insurance cover it at all. I am self pay 100%. I agree it should be covered 100%. Insurance would rather pay for my diabetes care for the next 40 years? makes no sense. Obesity is a disese like cancer. You cant tell people "stop having cancer" so why do people think you can say "stop being obese"?

[Big Mama 0]

I have two insurances. My insurance is primary and it was 80/20. However my company insurance person said my max out of pocket was $1500. My husbands is secondary and would cover 100% but they ended up saying I didn't meet the BMI required. I could get gastric bypass paid for but I didn't want it. I ended up having my gallbladder out too. His insurance picked up the rest due to that and I never had to pay anything.

[mommy794 119]

I have 2 insurances and I'm sch. for 2-6. I'm approved by boths so I will let you know how it all plays out once I'm done! Right now I have no idea what my OOP will end up being but my surgeon said it's not going to be much. So we shall see I can't wait to get this DONE!!!

[katzinms 3]

I have two insurances, BCBS of MS which paid 80/20 and BCBS Federal which picked up the balance. I was blessed to have no OOP expense. I love my sleeve!