Blue Care Network of Michigan

[BecomingAnna 33]

Hello All,

The office submitted for surgery yesterday and I just wanted to know with Blue care network of Michigan (***) how lond does it usually take? My Surgery date is January 28th, 2020. Anyone has any experience with BCN. I meet all the criterias and have had all the testing done. Now im just waiting on insurance approval and the day to come. Im very anxious and ready. This Has been a long road and I have lost 65lbs this year and hoping to lose 20 more lbs before surgery to help with the process. Also, i have $1034 left in my deductible and out of pocket for it to be paid fully they both was $6500 how does that work will i have to pay anything? So far i have paid about $600 in the visits with the surgeon and all the testing.

[RaeSavage 82]

Hi. I maybe able to answer that question. Your deductible will be eaten with the procedures. Like I had to do 2 sleep studies, and egd, see a psych, so on an so forth. Do things to get it down. Go see the dermatologist or any old thing like that lol! Also, doesn’t all of that reset at the beginning of the year? Your deductible and out of pocket will reset to your plan default on 1/1/20

[BecomingAnna 33]

Noooo really 🤦🏽‍♀️ That mean it will be back up to 6500 will that stop the surgery?

[BecomingAnna 33]

If Im approved before January Will My Deductible and Out Of Pocket max Starting over Affect My surgery date Im so confused on how Deductibles Work and Out Of Pocket Max

[Losingit2018 1,170]

Yes if your surgery doesn’t happen until January your deductible and oop start over. No matter when you are approved. Could you possibly get your surgeon to do it before Jan 1? May be worth a shot.

[lvidacovich 372]

14 hours ago, BecomingAnna said:

If Im approved before January Will My Deductible and Out Of Pocket max Starting over Affect My surgery date Im so confused on how Deductibles Work and Out Of Pocket Max

10 hours ago, Losingit2018 said:

Yes if your surgery doesn’t happen until January your deductible and oop start over. No matter when you are approved. Could you possibly get your surgeon to do it before Jan 1? May be worth a shot.

Yup, losingit2018 is right. Everything is all about procedure date, not approval date. Sorry.