Out of pocket cost after insurance pays

[ld33 94]

Hi. I was wondering for those whose insurance "covered" the surgery, how much did you have to pay out of pocket?

Thanks

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[Proud2BMe 1,016]

There's not a real answer to that question as every surgeon or hospital, not to mention insurance company, is different.

Some hospitals and bariatric centers make you do various things that are not covered by any insurance.

So for you to get an answer that is applicable for your situation you will need to contact your insurance company and inquire about bariatric surgery and then factor in where you are having the surgery done. If you go to a pre-surgery meeting or seminar then they normally tell you if they require things not covered by insurance.

[Dub 9,935]

Hi. I was wondering for those whose insurance "covered" the surgery, how much did you have to pay out of pocket?

Thanks

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As crazy as this sounds.......if I'd used my insurance then my out of pocket cost would have been $27,000+

By doing 100% self pay it cost me only $19,000.

How crazy is that.

Very grateful my surgeon and his group reduce their rates in that way for self-funded patients.

[MeFirst 65]

I had to pay a $300 program fee

$40 co-pay twice

$100 co-pay for EGD, X-ray, EKG

$200 surgeon fee

And I believe $100 hospital fee

So about $780 total

[ld33 94]

Hi. I was wondering for those whose insurance "covered" the surgery, how much did you have to pay out of pocket?

Thanks

Sent from my LG-D851 using the BariatricPal App

As crazy as this sounds.......if I'd used my insurance then my out of pocket cost would have been $27,000+

By doing 100% self pay it cost me only $19,000.

How crazy is that.

Very grateful my surgeon and his group reduce their rates in that way for self-funded patients.

[ld33 94]

That is crazy! I know it's different for everyone, just wondering the ranges. Sounds to me like your physician encourages out of pocket to avoid dealing with insurance.

[ld33 94]

@@MeFirst that sounds very reasonable. My program requires a $600 program fee which can be refunded if you're not approved for some reason

[OutsideMatchInside 10,166]

My out of pocket maximum for the year was 1500, that plan doesn't exist anymore, lol. I didn't pay anything for surgery. I spent all the money on pre-op cardio testing. By the time surgery rolled around, I was maxed out.

[Mrs. Reid 392]

My deductible was $4000. It was normally $2000, but because it was barbaric surgery the deductible was doubled. That sucks but it was still worth every penny!

[DaisyAmy 561]

My weight loss center had a $200(?) program fee and then I had to pay a $20 copays for each monthly visit. That was it besides the cost of Vitamins, shakes, etc. The surgery was covered 100%

[GalleyGal 26]

My band to sleeve revision is scheduled for 3/2 and I'm going to have to pay my $750 deductible plus the 15% coinsurance. I'm going to be out of pocket about $3,500. But all worth it for me.

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[Rolla6 10]

I have a $300 dollar hospital inpatient fee and the rest is paid 100%. Other than my Vitamins, Protein, shakes etc...

[MzCWilliams 4]

It really depends on your insurance policy coverage you can call them directly to see if you have additional out pocket fee for bariactric surgery. My surgeon didnt have any program fee and info seminar is free. I didnt pay anything out pocket for surgery or office, pysch or nut visits.

[PRSmom 1]

My out of pocket ended up being around $3k

[1excited 15]

My insurance covers everything 100% it even covers all of my NUT visits.

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