selbradey 321 Posted November 2, 2012 What does it mean when it says 50% covered after pre authorization? I know the surgery needs pre auth but does that mean I have to cover 50% of the cost?? Sorry guys I am so confused. I have Horizon BCBS EPO plus, with $30 copay and $50 specialist. Thanks Share this post Link to post Share on other sites
laurz 0 Posted November 11, 2012 That is what it means, they pay 50% and so do you. Share this post Link to post Share on other sites
JerseyGirl68 1,172 Posted November 11, 2012 Factor in what your Maximum out of pocket expenses are. My Horizon BCBS pays 80% after I met my deductible of $2500, but my Maximum out of pocket is $4000, so after adding up all co pays,and deductibles, I will only have to pay a maximum of $4000. Even if the surgery is 50,000 and I get billed for $10,000. Share this post Link to post Share on other sites
selbradey 321 Posted November 11, 2012 As long as it can be billed and not cash in hand i can deal with that. Jersey girl, do u have epo plus? Share this post Link to post Share on other sites
selbradey 321 Posted November 13, 2012 Got the approval letter. The ins company is more worried about me seeking plastic surgery after the fact. But the sleeve is covered so i dont care. Lol its funny the way they worded it . "We applaud your endeavor to lose weight, but plastic surgery procedures will not be covered due to loose skin etc". Share this post Link to post Share on other sites
selbradey 321 Posted November 13, 2012 Im saving for the plastics anyway i just wanna be smoking hotttt Share this post Link to post Share on other sites