Aetna, BCBS or United Healthcare???

[destructapie 1]

Thankyou for the info. I’ve read conflicting stories on what my primary and secondary will pay since my primary does not cover any wls.

[Nepenthe44 188]

I have a group PPO plan through BCBS of Michigan/my large employer.

Customer service is pretty terrible when I call. They're often not able to answer questions about plan coverage accurately or give conflicting answers. If you have a specific procedure code, they can be more helpful, but it's still not great.

On the other hand, they cover virtually everything at 100% without too much fuss. I'll end up paying a few hundred dollars out of pocket for my surgery and most of that is copays for seeing my $%@^ing dietician. If I have complications, that could go up relatively quick, because there's a significant ER co-pay, but it's all flat rate for in-network providers. And the network is basically every provider.

I don't love them, but if I have to deal with an insurance company, they're probably as good as it gets.