Little confused

[antsmith101 0]

I recieved my bill from the insurance company for my lapband surgery and it such a bigggg number.

UCI is charging Blue Cross PPO a total of 77k

and next it say insurance adjustment to 74k

and next it say insurance claim payment 2.8k

and responsible to pay 250.00

So to me it saying that I only gotta pay 250.00$ and insurance in covering rest. but my insurance was setup with 80/20 option with 2000$ something for single (think max pay) and it seem like they paying 100%

so... just little confused

[reif78 0]

insurance is very confusing. just do what it says to pay if it says 250 then thats all you have to pay. right onnnnnnnn thats not bad. but if you want to make sure then just ask the people who deal with insurance at the doctors office they will tell you how much your responsible for.

[antsmith101 0]

Before the surgery, I was expecting that average cost of surgery was 15k-20k w/ insurance and that I gotta pay a 80/20 ratio but now seeing that 77k... im hoping it not a 80/20 ratio....lol

[jelbel 0]

I have BCBS and I have to pay about $1,300

[reillye 0]

Have you had a lot of out of pocket expenses this year? Sometimes you will hit the out of pocket maximum, reducing what you have to pay. I hit mine this year, and so my surgery will probably wind up costing me 0! :) (I hope there's not something unexpected!)

[BobbieDoll 3]

I have Cigna insurance and pay 10% for surgery but don't know how that breaks down. My total will be $17k. I wonder if I will be paying 10% of that amount or if the doctor fees, etc. are paid 100%.

Since it is a new year now, I have to meet the $250 deductible again. Cigna has paid every thing else so far including all of the doctor visits for my 'failed medically supervised weight loss program', the Pulmonary visit, Phycologist, Nutritionist, and Labs. It is always a surprise when the bill comes. So far all is good.

My BMI is 37 so I am a little nervous about getting approved in February.

[Chrisann 0]

My surgery was done "in network" and it only cost me the psych exam and the nutritionist cost. Oh and the TV in my room for the hospital overnight. I have Oxford Liberty PPO.

I would pay the $250 if that is what the bill says. Make sure you keep all your documents in one place in the event some other bills show up.

[christasha 0]

If all they're asking for is $250 . . . that's what I'd pay and sit back and wait. I have BCBS and I only had to pay $175 for the psych portion out of pocket . . . and haven't seen any bills at all (knock on wood). I was supposed to be totally covered . . I'm HOPING that is the case! :eek:

[antsmith101 0]

Thanks for the information.