How Much Out Of Pocket?

[cutiepieme 41]

Hi all! My hubby and I r going thru this journey together. Hub is sch June 26, I'm scheduled July 11. We r so excited and ready for our new journey to begin( praying for no complications daily) hub got a call from dr office asking for around $3k a peice! Omg! But she did say we can get a payment plan going. Like we don't hav 6k just lying around. But I am so greatful for my insurance because I know this is am expensive surgery. Anyone else get a call at last min about money?

[lynn 49]

Not last minute.... i knew what my co pay was when i started this process. Which gave me time to start saving.

[Melsauve 76]

Wow I have to say I am very greatful for my insurance cuz I didn't have to pay out of pocket for anything. Thank goodness you are able to get a payment plan!

[PattyKaiser 5]

Well when I started the process, my insurance company told both me & my doctors office that it was covered. A month ago, my doctors office was informed that it was an "excluded" procedure. I appealed, I stressed that I have a BMI of 45 (morbid obesity) & still was denied, I have had to pay the $25,300 with the help of family, credit cards, & loan from the bank. I could have saved some money by changing my surgery from the Roux-en-Y to the lap band and saved about $10,000 but me & my surgeon decided prior to being denied that I would not lose enough weight.

[cutiepieme 41]

Wow. Thanks for ur story. I am blown away at ur insurance. But I'm glad u hav great family and friends to help u thru this. I'm thankful for my situation cause I would hav no help( money wise) if it came down to it.

[BBdoodle 483]

Did you ask them why and what is the 3K charge for? Did you know that there would be a charge "before" you booked surgery.

[cutiepieme 41]

Not really. I asked a co worker did same thing hap to her she said yep. Actually around 2k so I feel lil better

[Jen in SoCal 189]

I got a call exactly one week before my surgery date saying I had to pay almost $3000 before surgery.

I knew I had to pay my out of pocket for surgery but figured I would be billed after surgery. I believe the way she put it was "Do you want to pay now, over the phone or would you like to pay it the morning you come in for surgery?" I was so stressed out about it they took my blood pressure 6 times at my last nutritionist appointment.

It was terrible, I had come so far and worked so hard only to be asked "Oh, didn't so-and-so tell you?". Luckily they did agree to a payment plan 3 days before surgery.

I hope all goes well for the two of you. It's wonderful that you will both be going through this together.

[Sandy 0]

Hi all! My hubby and I r going thru this journey together. Hub is sch June 26' date=' I'm scheduled July 11. We r so excited and ready for our new journey to begin( praying for no complications daily) hub got a call from dr office asking for around 3k a peice! Omg! But she did say we can get a payment plan going. Like we don't hav 6k just lying around. But I am so greatful for my insurance because I know this is am expensive surgery. Anyone else get a call at last min about money?[/quote']

Well I knew there would be some kind if out-of-pocket fee just didnt know how much till now. I git scheduled for my wls for July 16 2012 last week, then the hospital admitting/Billing called me and sd I have already met my yearly deductible, sd my part was like $600+ and INS pays 20% of that, then sd by going thru a Center of Excellence hospital they give me another discount which gave me a grand total rounded up of $455 out-of-pocket.

Then since goin thru my fiance's work insurance, they have a wellness rewards program. We have the health care spending account for our healthcare costs. The wellness program agent sd by having a successful wls and completing the follow up qualifies me for rewards fees back into our hsa acct. They sd by completing a successful surgery and follow up they will put a $1000 credit back into our hsa acct. She says causw the wls qualifies as bettering your health. I was like awesome.......so happy. Cause will help when fiance' goes for his knee surgery to get screws taken out whwre he had a rod put in leg a yr ago. Yayyyyyyyy.........