Out-of-Pocket Expense...

[aprilapple 1]

I always wondered as I was going through the approval process what my out of pocket expense(s) would be.

I have bc/bs of Alabama PPO (PEEHIP).

Here is my breakdown:sleep Study Dr. Visit $20 Copay

Required Support Group Free

Nutrition Class $60 copay

Out patient Surgery (Hospital Services) $75 Copay (100% covered)

Out patient Surgery (Surgeon's Services) 100% covered

Fills 100% covered no limit)

Fills Dr. Visit no copay first 90 days

$20 copay thereafter

Total out-of pocket (excluding $20 copay for future fills)=

$335

The cost of being healthy? PRICELESS

I hope that this estimate helps anyone with similar questions.

I am really thankful to GOD that I have good insurance. Since my husband and I both are public school educators we combine our allocations and the state pays our premium. Translation: We pay $0 monthly premium for family health insurance!

[KyBandChick 3]

Wow you are very fortunate to have such great insurance. I work for a Fortune 250 company and have what many would consider "good insurance" but my surgery is going to cost about $6k after insurance (assuming they approve me). Even if I have to pay the whole thing out of pocket I will as you can't place a price on health and happiness. Best of luck to you!!

[aubrie 6]

My entire hospital expense was paid at 100%. I didn't pay a dime. My surgeon was $6,000. The insurance paid 80% since he was out of network, so I got a medical loan for the $1200. I ended up paying it off, as my surgeon didn't expect to be paid so well from my insurance, and he ended up writing it off. She he paid me back and I paid of the loan the following month. It didn't cost me a thing.....

[aprilapple 1]

My entire hospital expense was paid at 100%. I didn't pay a dime. My surgeon was $6,000. The insurance paid 80% since he was out of network, so I got a medical loan for the $1200. I ended up paying it off, as my surgeon didn't expect to be paid so well from my insurance, and he ended up writing it off. She he paid me back and I paid of the loan the following month. It didn't cost me a thing.....

Wow! so does that mean that they charge you a different rate if you are self pay?