What Has To Be Paid Upfront?

[kbby 39]

So i got the info today about my approval for surgery but never got to talk to my surgeons office today. So does anyone know what you have to pay upfront?

My insurance says my OOP exspense is 15% of plan allowance. Does that mean i have to pay all before surgery???

Did anyone get to pay theirs in payments?

Help!!

Way too many questions right now

Krysti

[MammasMelting 35]

It varies from Dr to Dr, and from plan to plan. I already met my deductible this year, and my OOP max is $ 3000.00, of which I already met $1500.00. My Surgeon fees were $ 185.00 ( 10 % co insurance after my ded was met). The hospital I am having it at took a $ 100.00 deposit, and will bill me the rest. They don't want to take anything more because the actual fees can vary...surgery may take longer, or not as long, etc. But for me the most I could HAVE to pay is the rest of the OOP ($ 1500.00 )..but it wont be that much.

If you know what hospital you're having it at, you can call once they get all your papers from your surgeon. Most will take payments once they get the letter of approval from insurance as well. They know the bulk will be paid, and if the hospital is in network, most will have an adjustment for the amount charged as well.

Hope that helps..it looks like rambling now that I look at it.

[Donny 270]

I have a 2k max out of pocket and I paid that upfront. The Dr. offered me 0% interest financing, but I wanted the airline miles from my credit card

[kbby 39]

@Donny. You used Dr. Kim as well i just didnt know if they made you pay all at once or how It went. Any other advice you can give me?

[kbby 39]

@mammasmelting . Thank you, every little bit helps!! Im just a little confused

[Donny 270]

I'd ask them about their financing plan. They started telling me and I just said no because I was just going to pay it all as needed. I paid my labs and EGD day of and I paid my surgery day of. Every single part of the process you pay day of which helped me out a lot.

If I missed anything or you want to know any specifics fire away! I will help you with any questions you have regarding them!

[kbby 39]

Thanks Donny! Where did you do your surgery at? Like Dallas or trophy club?

[Donny 270]

Trophy Club! The Ritz Carlton of hospitals lol. Amazing staff and huge nice rooms with private bathrooms

[Anume81 22]

This is great information. .as to I am having my surgery with Dr. Kim on Dec. 20th..so far I judt paid the scheduling fee of 250.00 I have my cardiac testing on the 11th...and testing at the hospital on the 7th