Out of pocket costs?

[sleevemeup 41]

So... Just wondering what some of you have paid or are about to pay out of pocket. Any ideas of the negotiated rate with your insurance company? I have 50% coverage for everything, so from what I have seen I could be out of pocket a lot of $$. I usually have a good negotiated rate from the other surgeries, so I am a little hopeful! But, how much is your health really worth? That is what I keep telling myself!

[Kat23 47]

Our out of pocket costs are multiple office visit co-pays for all of our pre-op requirements and we have to pay for the nutrition class. Inpatient services (hospital services) are all covered 100% with a possible separate surgeon fee. Jury is still out on the separate surgeon fee. I've been curious about the contracted fees as well, but haven't come up with anything yet. The same insurance company may have different contracts/converage between different employers.

[UPRR Wifey 89]

Wow. That's a lot. I'm covered at 95% after a $150 deductible. The surgery costs $15,500. So I'm looking at around $775

[SoccerMomma73 1,867]

Mine is 70/30. I had to pay my surgeon $700up front pre-op this week, the hospital will be about $2200,But I get to make payments on that (thank goodness!!!) plus anesthesiology :/

I'm a family practice physician assistant for the hospital system that my surgery is going to be at...our insurance kinda sucks!!!!

HW 312, pre-op (lap-band) 294, pre-op (RNY) 251, surgery date 2/11/13, goal weight 154, current weight 251

[Laverne1908 28]

My surgery finacial obligation is $3500.00. I feel that it will be worth every penny.

[Nicole K 352]

I paid an $80 co-payment for surgery. I pay all co-payments for surgeon and I'm putting in an appeal for the nutritionist not being covered.

DOS 12/17/12

[IChatman 24]

My surgery finacial obligation is 3500.00. I feel that it will be worth every penny.

Wow! What are they requiring down or do you have to pay all up front

[SoccerMomma73 1,867]

I had to pay the entire 700 for the surgeon up front, the hospital will take payments after....

[padlrd 183]

My insurance is Medicare they pay 20% I have to pay hospital $1186 Dr $386 Ass dr $286 all upfront

[Laverne1908 28]

Wow! What are they requiring down or do you have to pay all up front

This is my total obligation and Yes they want it upfront.. My surgery date is 03/04/2013..

[padlrd 183]

I have to pay at my pre op appointment and when I pre registered at hospital

[IChatman 24]

This is my total obligation and Yes they want it upfront.. My surgery date is 03/04/2013..

You're right I believe it will be worth it as well.. I just wish they would have broken it into payments

[Tammy483 162]

I paid everything in cash upfront. Where I live, insurance doesn't cover this. I paid almost 10,000 $

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[IChatman 24]

This is my total obligation and Yes they want it upfront.. My surgery date is 03/04/2013..

Hey your surgery date is on my birthday! Congrats. My journey will begin on February 5th that's the day I go to my consultation... I know my insurance covers it because I'm a St. Lukes employee and I also don't have to wait the 6 month time... My concerns are mostly the fact that I haven't reached my deductible or out of pocket Max. So I'm wondering what I will have to pay up front and what they will take payments on... Just gets my nerve going... I dying for the 5th to get here I feel like that will be the date I will know my destiny... I want my life back

[Laverne1908 28]

You're right I believe it will be worth it as well.. I just wish they would have broken it into payments

IKR!!!!