Newbie

[IChatman 24]

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' date=' 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![/quote']

Thank you so much... When I went for my consult I mentioned this app to the surgeon and he was surprised on how well informed I was. You guys and ladies are AWESOME!

[IChatman 24]

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.

I'm a little lost... You had to pay the whole 3000 or did you over pay... Although my Max out of pocket is 3500 the insurance will still pay 80 percent after I have spent 3500 they will pay at 100 percent

[btb2013 84]

Thank you so much... When I went for my consult I mentioned this app to the surgeon and he was surprised on how well informed I was. You guys and ladies are AWESOME!

Cool!

[sunshine413 343]

I'm a little lost... You had to pay the whole 3000 or did you over pay... Although my Max out of pocket is 3500 the insurance will still pay 80 percent after I have spent 3500 they will pay at 100 percent

My out of pocket max had to be reached before insurance would pay 100% of anything billed. Although $1500 is my deductible, the surgery was roughly $46,000.00 just for the hospital. They (the hospital) were wise to the fact that the insurance would require my Out of Pocket Max to be reached before paying 100% of the bill...it didn't matter if they (BCBS) paid 80% or 90%...MY portion of that (20%) would have well exceeded the $1500 difference, so the hospital collected it up front. The max out of pocket ran concurrent with my deductible...in other words the $1500 deductible counted towards the Out of Pocket Max. Some insurance companies don't count it together. The hospital was going to be SURE they collected their monies FIRST.

[btb2013 84]

I'm a little lost... You had to pay the whole 3000 or did you over pay... Although my Max out of pocket is 3500 the insurance will still pay 80 percent after I have spent 3500 they will pay at 100 percent

Just called Cigna. Member rep informed me that my approved surgery handled by in network facility and drs cost to me with copayment and out of pocket is a total of $150...

[IChatman 24]

Just called Cigna. Member rep informed me that my approved surgery handled by in network facility and drs cost to me with copayment and out of pocket is a total of 150...

That's awesome... Have you already met your deductible? I'm very happy for you.

[btb2013 84]

That's awesome... Have you already met your deductible? I'm very happy for you.

No I haven't because its start of new year. Because facility and dr are in network ( we are open access plus state employee program) that's my only cost.