SO READY

[sassy683 184]

Where do I began

I have been on this journey since March 13, 2017. I started off with 2 insurance companies Cigna as primary and Ct Husky A as secondary only to find out in late July that Husky cut me off April 30 due to my son turning 18 the following month so the whole time Im thinking I would be 100% covered if Cigna doesn't pay for it completely... I have my date for surgery which is OCT 19,2017.. I been back and forth on the phone the live chats online with cigna to get a better understanding on what they will pay and what i would have to pay. My deductible is met and i have a remaining $3,030 for my out of pocket to be met, not too worried because i still have a few doctor appointments left, so i know the out of pocket will be met... My plan will pay the IN-Network contracted rate amount 100% im just happy the the Surgeon and facility are both in-network.....

[NewEnglander 5]

Hi! Just be sure to keep documentation of your conversations with your carrier. Jot down date of calls, rep spoken with and their answers. Cigna may have an online employee portal you can access to see what your benefits are. I'm in CT too! Hi!

Good luck! xo

[sassy683 184]

thank you... i screenshot the online chat ,taped the phone conversation... wait that might be illegal lol but i hate for someone to say they didn't tell me something

[sassy683 184]

where in CT are you from and who was your surgeon?

[NewEnglander 5]

Oh, I'm just starting! My surgeon is Dr. Papvasos at HH. You?