Anyone use 2 health care plans?

[nicole91379 2]

While I'm waiting on the insurance coordinator to give me a call from the surgery center...thought I'll get some input here. All my testing is complete except 3/6 month supervised weight loss program but my 2016 work insurance omit bariatric surgery BCBS. I found a plan through the market place UHC that would work. Have anyone used two insurance the Coinsurance is 0% after met $3600 deductible...oh how do I add a pic to my profile?

Edited December 22, 2015 by nicole91379

[Heather I 500]

FOLLOWING! This happened to me. WLS was covered under our plan in 2015, not in 2016, and I have done everything required but meet the surgeon and do the psych eval. So bummed!

I was told I can buy a BCBS policy on the exchange up to 1/31/16 (cutoff on Obama enrollment) and self-pay for a policy. My friend who does medical billing said buy the spare policy 1-2 months before surgery and keep it up to 6 months after surgery to cover the post-op Dr. visits.

Also, she said any complications from WLS (gallbladder surgery, hernia repair, strictures,) would not be covered under your original policy -- it's viewed like plastic surgery -- optional, and any complications would need to be billed under the WLS policy you are buying. It's getting complicated!

I'm a 1099, so BCBS said I can buy any time, not limited to the 1/31/16 deadline, and WLS is covered.

Now, the other issues are choosing plans. I'm going with a high monthly premium and $1000 surgery copay after meeting my $2000 deductible, not the 80/20 plans or 70/30 plans, where I'd be responsible for 20-30% of a $30K surgery.

I'm interested in any advice/experience anyone has. I was devastated last Friday when I looked over the new insurance package and saw bariatric isn't covered anymore! Sucks.

[nicole91379 2]

Are you covered under a spouse's insurance?. I have a family plan with my employer includes myself and 3 children. I'm so frustrated with all of this.

Edited December 23, 2015 by nicole91379

[Heather I 500]

Sorry for the delay, as you can imagine with Christmas, it's hectic!

Yes, we are covered under my husband's BCBS insurance which, ironically, I was SUPER excited to get with his new job as it blows away the shitty, basically catastrophic insurance we had before -- only to find the BCBS plan they are offering dropped WLS as a benefit.

This is SUCH a PITA and disheartening. I'm already taking a non paid hit when I have the surgery since I'm self-employed and don't get any paid time off, and paying for an extra policy -- on top of a stellar policy that is finally provided to us -- GAH!!!!!!!!!

[shannalynne 98]

I had aetna as primary from my employer and caresource through the state as a secondary and I didn't have any out of pocket expense...

[Kimba Maria Wiggins 81]

My mother has both Medicaid and Medicare.

[olamae 16]

Be careful with this. In some cases the primary insurance doesn't cover bariatric then the secondary won't either.

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[MNovalis 93]

I have BCBS through my employer that covers WLS, and then I am also covered under my spouse's insurance that covers WLS as well. He is a retired federal employee with AMAZING insurance. The only thing I will have to pay out of pocket is the $300 'program fee' for consults with the physical therapist, nutritionist, etc. that insurance doesn't cover. I should have done this years ago!

[amyflores 23]

I have 2 insurance And the only thing I've paid out of pocket for was my physic visit $120 wasn't covered.

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