In a panic!?!?!

[countrygrl1978 26]

I have my diet #6 on the 18th, so I am FINALLY at the light at the end of the tunnel. From the beginning the surgery center told me my max oop would be $2,000, now I checked this morning on my Blue Shield on a claim and just so happen to see that my max oop would be $20,000 since they are considered out of network!!! I'm in a panic..I don't have $20,000 for this? I was going to use my flex spend account for the $2,000 as it was. Does this seem right? I just don't want to have this surgery and get a $20,000 bill that sends me into the poor house or bankrupt.

[doreens 6]

Is there another Dr. under your plan?

[countrygrl1978 26]

There's none at all. That's why I went with this surgery center. I don't know weather to wait until my next appointment since it'll be my last one or what to do. I guess if they come back with 20k I can go to my primary dr and ask her for a referral. Just so frustrating. I've been looking forward to this for months.

[luv2plumb 315]

Didn't the surgery center have a "navigator" somebody to handle your insurance for you that's odd that they wouldn't let you know that beforehand you need to go sit down with them and let them help you straighten it out they have more experience with insurance then the common person. I'm sure they don't want to leave their customers straddled with a $20,000 bill ?

[ReeReOV 29]

breathe.....call Blueshield......I have them as well ad my out of pocket max for out of network is $15,000, but the way my plan works is that I am responsible for my copays/deductibles on $15,000 which i s 30% plus deductible ($4800). for my in network my max is copays/deductibles on$10000 or $1300 out of pocket.