Cost estimate bcbs fed standard. Gastric bypass

[Roalmc77 61]

Saw doctor today, informed me wouldn't have a cost estimate till approx 2 weeks before gastric bypass surgery, whenever that may be. Curious as to what this has cost others with federal bcbs standard. I will be at a bcbs centered of excellence+. I have found info on approx cost for federal bcbs basic but none for standard.

[Roalmc77 61]

Called my insurance, they told me it would be 150 for hospital inpatient, 350 deductible and 15 percent coinsurance for what bcbs determines is the plan allowance for the gastric bypass plus a few other things. When I asked them for the plan allowance for just the surgery they told me it was proprietary and would not tell me. So any other Standard federal bcbs have this done already that might know their allowed charge for gastric bypass?

Basic sounds so much better

[yagoubi26 10]

I have basic and it is a lot cheaper for the surgery part. You can look on the website and it will tell you in the benefits what standard have to pay.

[Roalmc77 61]

The benefits tell me coinsurance 15% of the plan allowance after 350 dollar deductible, which I have no clue what that dollar amount is for "plan allowance". What I need is the dollar amount that fed bcbs pays so I can figure out my 15 percent

[yagoubi26 10]

Yeah you are probably not going to get that until after all the charges are done. Then you will pay 15% of what the plan allows then to charge.

[Roalmc77 61]

Yes, exactly. What Im asking for here is someone who has already been through this for an estimate.

[Roalmc77 61]

Awaiting call from doctors office, if they answer I'll update this, if Its as high as I'm guessing $5000ish ill be waiting till January and switching to basic.

Edited April 10, 2015 by Roalmc77

[Roalmc77 61]

They wouldn't answer, stating everything I get done before the actual surgery may impact how much it will cost through my insurance.

So if anyone here has gone through this with STANDARD Federal BCBS, please let me in on your experiences. Thanks!

[Roalmc77 61]

Dr office doesn't know yet but I have been approved by insurance. Asked insurance about out of pocket costs and it's $400 total, if 2 day stay in hospital 100 less if one day. Fed basic bcbs at a bcbs center of excellence. 200 for surgeon 100 per day for inpatient

[pqmr 7]

Not sure if this helps. I have BCBS PPO out of MI. Had my sx at Barix. Costs were $44,353. My out of pocket was $1452.

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[DebiW 45]

I am following this also as I too have Standard BCBS Fep and was told by an BCBS customer service by phone, that my cost would only be $150.00 for the hospital stay and $35.00 co-pay for my surgeon and no 15%..... However I was skeptical when I was told this, I will anxiously awaiting further confirmation regarding this as my surgery is on 8/29.

[Roalmc77 61]

I ended up doing standard for most of the preoperative stuff in 2015, then switched to basic for 2016 and had surgery in March. If I had to guesstimate my total cost for all preoperative appointments and surgery and hospital stay it was around 1000- 1200 bucks. That includes co-pays, surgeon, anesthesiologist, shrink and 2 day hospital stay (surgery wed 1pm went home noon friday). It was in a bcbs center of excellence.

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[Roalmc77 61]

I ended up doing standard for most of the preoperative stuff in 2015, then switched to basic for 2016 and had surgery in March. If I had to guesstimate my total cost for all preoperative appointments and surgery and hospital stay it was around 1000- 1200 bucks. That includes co-pays, surgeon, anesthesiologist, shrink and 2 day hospital stay (surgery wed 1pm went home noon friday). It was in a bcbs center of excellence.

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Also includes the co-pays for the weight-loss documented by my doctor and nutritionist

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