Federal Blue Cross Blue Shield Process

[ClarkRomulus 10]

I see there are some posts on here about this topic but none are recent. I have blue cross blue shield federal. Has anyone recently went through the process and had surgery yet. I have one more visit before my doctor submits my paperwork to the insurance company. I had to do 90 days as a requirement for my insurance. How long after paperwork was submitted did you get an approval also how much out of pocket did you have to pay. There are Focus, basic and standard plans so I do know each one has different amount of coverage. Just trying to get an ideal of what is to come in the month ahead. FYI** I know everyone has had a different experience and had a different path. Regardless of that I would like to hear yours *Smile*

[BeanitoDiego 153]

I have a different flavor of BCBS that required 6 months of physician-monitored diet. But from the time that my program submitted all of the required paperwork to approval was 9 days. My surgery was scheduled for two weeks later. Out of pocket, I paid around $1000. The anesthesiologist was not in-network and was about $270 of the total cost.

[ClarkRomulus 10]

On 11/14/2023 at 17:40, BeanitoDiego said:

I have a different flavor of BCBS that required 6 months of physician-monitored diet. But from the time that my program submitted all of the required paperwork to approval was 9 days. My surgery was scheduled for two weeks later. Out of pocket, I paid around $1000. The anesthesiologist was not in-network and was about $270 of the total cost.

Sounds about what I was thinking, reading the plan book is overwhelming and the amounts seem high!! Thanks for the reply

[pintsizedmallrat 474]

I got an answer within 10 days when mine was submitted in 2021. I had to do 3 months of supervised diet. I think my out of pocket was something to the tune of about $175 for the actual procedure.