Newbie

[IChatman 24]

Hello everyone!!! Like others I have been reading post and looking at before and after pictures and I must say, everyone looks awesome! I have learned a lot and I am ready to endure this journey. The good, the bad, and ugly. Tomorrow is my consultation and I'm scared out of my mind with worries that this process will take forever. I have Cigna insurance and I'm a St. Luke's employee, therefore I don't have to wait the six months that some do. I'm wondering will they tell me my out of pocket cost tomorrow or what?!? The anxiety is nerve wrecking

[worm2872 635]

HI!! and Welcome!

This can be a long and scary process but you have come to the right place. We are here to support you! I was terrified and the beginning as well but I found the more I research and knew the good and the bad, the better is it was. I had never even had a surgery before or been in the hospital so everything was new. I made it and so can you!! Never hesitate to reach out with a question or suporrt. This group has reeled me back in a few times. :-)

Good luck on your journey!

[IChatman 24]

Thank you sooo much... Your message was very comforting

[hockeymumzie 181]

Nervous is a understatement my day of consultations is Feb 18. But it brings me some comfort reading all the posts and know I'm not alone on this journey.

[IChatman 24]

@ Mrs. Hockey yes it is an under statement... Lol I wonder what happens at the consult?!? I'm ready to get the ball rolling.

[hockeymumzie 181]

I was told meeting with surgeon, dietitian, ect. Mine will last six hours. They let me bypass the informative session since i know what i want done and plus I'm traveling almost four hours to get there.

[IChatman 24]

I was told meeting with surgeon' date=' dietitian, ect. Mine will last six hours. They let me bypass the informative session since i know what i want done and plus I'm traveling almost four hours to get there.[/quote']

Well I pray all of my ducks line up tomorrow... I see every step as the beginning to a new life and the start of a long awaited journey

[btb2013 84]

Hello everyone!!! Like others I have been reading post and looking at before and after pictures and I must say' date=' everyone looks awesome! I have learned a lot and I am ready to endure this journey. The good, the bad, and ugly. Tomorrow is my consultation and I'm scared out of my mind with worries that this process will take forever. I have Cigna insurance and I'm a St. Luke's employee, therefore I don't have to wait the six months that some do. I'm wondering will they tell me my out of pocket cost tomorrow or what?!? The anxiety is nerve wrecking[/quote']

U can go online on ur Cigna acct (I did) and pull up your coverage specs and out of pocket. My Cigna is open access and pays for all hospital stays and ops 100%. I only have co-pays if I go to e.r & am not admitted or go to a dr's office..... Or you can call cigna and they tell u.

[IChatman 24]

For a family of 4 our deductible is 4000 and our max out of pocket is 3500... Once 3500 is reached then they pay at 100% until then I believe it's 80% but what they are not explaining to me is that my deductible comes out of pocket so would that be considered part of my out of pocket expense.... I have almost 600 a month taken from my checks to pay for this premium if they are expecting me to pay out 7500 before they cover me that's crap... But if so I'm trying to find a back up plan like a loan company or something... My credit is not the best

[btb2013 84]

For a family of 4 our deductible is 4000 and our max out of pocket is 3500... Once 3500 is reached then they pay at 100% until then I believe it's 80% but what they are not explaining to me is that my deductible comes out of pocket so would that be considered part of my out of pocket expense.... I have almost 600 a month taken from my checks to pay for this premium if they are expecting me to pay out 7500 before they cover me that's crap... But if so I'm trying to find a back up plan like a loan company or something... My credit is not the best

They won't do that. Your yearly doesn't fall in one clump on one person. Once u are approved as necessary Surg it won't be. I pulled up the policy which had lists of procedures or types of visits. Yours should be no more than like 250 once approved, if that. I am a spouse in a Fam of four coverage. I pay nothing out of pocket. It's not elective surgery.

[sunshine413 343]

I have Blue Cross Blue Shield. My out of pocket max is 3000 and my deductible is 1500. I had to pay $3000 out of pocket prior to insurance stepping in. I paid the $3000 straight to the hospital the week before my surgery!! I completely misunderstood out of pocket max versus deductible.

[IChatman 24]

They won't do that. Your yearly doesn't fall in one clump on one person. Once u are approved as necessary Surg it won't be. I pulled up the policy which had lists if procedures or types of visits. Yours should be no more than like 250 once approved' date=' if that. I am a spouse in a Fam of four coverage. I pay nothing out of pocket. It's not elective surgery.[/quote']

So are you saying that they won't make me pay the full 4000 plus deductible plus the 3500? I am so lost and worried

[IChatman 24]

They won't do that. Your yearly doesn't fall in one clump on one person. Once u are approved as necessary Surg it won't be. I pulled up the policy which had lists if procedures or types of visits. Yours should be no more than like 250 once approved' date=' if that. I am a spouse in a Fam of four coverage. I pay nothing out of pocket. It's not elective surgery.[/quote']

Or will I just have to pay what ever the hospital bills me for because they said they don't pay out anything until the 4000 is met then I'm responsible for 20% until I have paid out 3500 then they will pay at 100%... So every appointment I have lets say its with my PCP and its 186 up front... I have to pay the full amount until my deductible is paid off

[btb2013 84]

So are you saying that they won't make me pay the full 4000 plus deductible plus the 3500? I am so lost and worried

Call them..... Ask for specifics and if you can't get it from one person ask for someone over them. Find out if you can be billed and pay it off if its larger than u thought....and ask for any arrangements for financially strapped individuals..... Hope it's helpful.

[sndlackey 7]

For a family of 4 our deductible is 4000 and our max out of pocket is 3500... Once 3500 is reached then they pay at 100% until then I believe it's 80% but what they are not explaining to me is that my deductible comes out of pocket so would that be considered part of my out of pocket expense.... I have almost 600 a month taken from my checks to pay for this premium if they are expecting me to pay out 7500 before they cover me that's crap... But if so I'm trying to find a back up plan like a loan company or something... My credit is not the best

You don't have to meet your family decd. only your individual decd. Then probably the 20% up to your individual out of pocket is met.