independence blue cross ppo

[marynoel 12]

I live in NJ and have Independence Blue Cross PPO. I knew I was using an out of network surgeon. Never dreamt that my insurance would only cover $890 of the $10,000 bill. I had a 47 bmi, high blood pressure, sleep apnea, high cholesterol and acid reflux. If I had gone into an emergency room with a coronary and needed a triple bypass they would have covered all of it. I'm really pissed. I never would have had this done had I known that they were paying so little.

[SuzyB 182]

They didn't tell you how little they would pay? That has to be frustrating? I was told I had no coverage if I went out of network. We're there no local surgeons? What is done is done, just pay as you can.

[marynoel 12]

No, they didn't say how little they would pay. I tried to have gastric bypass about 5 yrs ago and had to jump through alot of hoops at HUP. Then I decided it wasn't for me. A friend of mine went to Dr. Brolin in Princeton and he was wonderful. She spoke so highly of him and I really like and trust him. He was wonderful. He also didn't make me go through nearly the testing that HUP did. I think they were just soaking my insurance company for all they could. I did the pre -admission testing in 1 day with Dr. Brolin. I fulfilled all the requirements of my insurance company. The dr.s office said its the least they've ever been paid by an insurance co. In process of appealing.

[SuzyB 182]

Wow. My surgeon's office took all the info on my insurance and told me what my payment will be provided I stayed in network. I even called and confirmed, for myself, I would not have had the surgery without knowing that info. Medical care is expensive. Hopefully with the appeal they will cover some more of it. Good Luck