How much was your out of pocket?!?

[Gonnabeslim1day 80]

I have a HSA acct with bc/bs texas. They have a very high deductible 2500 ahh!!!! I just don't see why the hospital wants their % upfront as well with my deductible. My co insurance is 10400$ before bcbs pays 100%. I highly doubt the hospital will reimburse me back my money that they charged me up front. My facility fee is

90-10%

Needing to vent

Thanks

[pomeerin 44]

Ugh, I am holding my breath about what the final amount will be. I have a straight 80/20 plan, but it's not just the surgeon, it's the hospital, the anesthesia, etc, etc, etc.

One tip I've heard to save money when you're in the hospital is to bring your own liquid Tylenol or other surgeon-approved medicines. The hospital will of course give them to you if you forget, but they will charge a giant premium for them.

Chin up, just keep thinking about how you will recoup your losses tenfold over your lifetime from the grocery bill savings.

[mikeross 216]

5000 and that includes my air fair to mexico and all tips I gave out.

[erp 2,016]

My out of pocket max is $2,000. I'm pre-op but my MD says to expect to be in the hospital for two days. If that is the case, then I will only pay $1,000 as I have a $500/day hospital stay copayment. Trying to find the silverlining: Having heard from most self-payers that the cost of surgery starts at about $5,000 and up. I figure I'm lucky.

[erp 2,016]

I should mention I have an H.M.O so that keeps my costs down in comparison. We have a PPO option at my work and it is 80/20 also. I hope the finances work out for you. Vent whenever you need too!

[NewBegin56 7]

Mine was a straight $250.00 copay

[Gonnabeslim1day 80]

Ugh' date=' I am holding my breath about what the final amount will be. I have a straight 80/20 plan, but it's not just the surgeon, it's the hospital, the anesthesia, etc, etc, etc.

One tip I've heard to save money when you're in the hospital is to bring your own liquid Tylenol or other surgeon-approved medicines. The hospital will of course give them to you if you forget, but they will charge a giant premium for them.

Chin up, just keep thinking about how you will recoup your losses tenfold over your lifetime from the grocery bill savings.[/quote']

Thanks that's what I keep telling myself too

[Gonnabeslim1day 80]

Ugh' date=' I am holding my breath about what the final amount will be. I have a straight 80/20 plan, but it's not just the surgeon, it's the hospital, the anesthesia, etc, etc, etc.

One tip I've heard to save money when you're in the hospital is to bring your own liquid Tylenol or other surgeon-approved medicines. The hospital will of course give them to you if you forget, but they will charge a giant premium for them.

Chin up, just keep thinking about how you will recoup your losses tenfold over your lifetime from the grocery bill savings.[/quote']

Thanks!!

[Gonnabeslim1day 80]

5000 and that includes my air fair to Mexico and all tips I gave out.

That's sounds like just about everything I have to pay with insurance

[kerrysway 46]

I too have a high deductible plan combined with an HSA account. My deductible is $4000.00, which I met throughout the year leading up to my surgery for pre-op requirements---doc. visits, lab work, sleep study, etc. Then when my surgery rolled around I had to pay $1,000.00 of my surgeon's fee but everything else was covered at 100%. Basically I guess you could say that I had to pay a total of $5000.00 out of pocket for my surgery, and that's a lot of money, but I feel very fortunate that that's all I had to pay considering the total charges billed out for everything related to my surgery were just over $29,000. Granted the insurance company knocked those charges down to just under $20,000 through contractual adjustments, but that's still a pretty hefty amount.

At 3 months out and 61 pounds down, I can say without hesitation that it was definitely the best $5000.00 I've ever spent.

[Gonnabeslim1day 80]

I went down myself to the hospital this morning just left and I was told I have to pay them 2150$ finally I have an answer!!!! Paid a 1000$ today and the scheduled my surgery for the 25th at 5:30 am everything sinking in now. I will be admitted for 2 days

[SweetnCurvy 112]

I have a HSA acct with bc/bs texas. They have a very high deductible 2500 ahh!!!! I just don't see why the hospital wants their % upfront as well with my deductible. My co insurance is 10400 before bcbs pays 100%. I highly doubt the hospital will reimburse me back my money that they charged me up front. My facility fee is

90-10%

Needing to vent

Thanks

My out of pocket was $0

[pomeerin 44]

How's everything going, OP? I assume you had the surgery already?

[mikeross 216]

That's sounds like just about everything I have to pay with insurance

My insurance covers the surgery but there is an almost 4 year wait... I decided not to wait and pay out of pocket.

[katieboo 25]

$780.00, i have a bcbs policy