BCBS MI Coinsurance

[JK92097 0]

I am so confused !

If my insurance policy states that I have to pay 50 % of my surgery.

But, I have an " Embedded coinsurance maxiumum" individual / family $3000 / $6000

Deductable of $500/$1000

Out of pocket maximum $6600 / $1320

BCBS of Mi Simply Blue PPO

How much should I plan on paying ?

[Tobeornottobe 89]

I would call the customer service number for clarification. It all gets confusing with the maximum out of pocket vs having to pay 50% of the cost. Someone would be better able to give you guidance.

Good luck.

[JK92097 0]

I tried calling. It just made me more confused. The insurance lady at the hospital is confused for some reason too. I am being quoted between $10000 and down or $49000

[Susan66 128]

I am so confused !

If my insurance policy states that I have to pay 50 % of my surgery.

But, I have an " Embedded coinsurance maxiumum" individual / family $3000 / $6000

Deductable of $500/$1000

Out of pocket maximum $6600 / $1320

BCBS of Mi Simply Blue PPO

How much should I plan on paying ?

I'm confused with that to.

Usually you would not have to pay anything more than your

"out of pocket maximum" once you meet that dollar amount.

I can't see you having to pay any more than that amount even if you have a co-insurance responsibility.

Do you have a broker you work with that maybe can help explain the policy better? If not call back tomorrow & tell them to explain it to you again.

[Tobeornottobe 89]

Also if it's through your job, speak to someone in HR or a benefits manager at your company. If all else fails, call the insurance company until you get someone who can clarify and explain in layman's terms the information you need.

[baileyj908 37]

Unfortunately some insurances don't count weight loss surgery towards your total out of pocket costs. At least that is what mine says