I've been approved!!! Date set: May 17th
Its like a whirl Wind!!! I did all my evalations and GP visits (3-6 months, I've compleated 5 months) and I went for my first sergeons visit on March 22nd. 15 days later (TODAY!!) I got the call from the "insurance guru" at Dr. Georing's office that My insurance company contacted her and let her know I've been approved. I started crying - tears of joy!
But now I've got all these qustions flying trough my brain. The woman that called me from the Dr. office talked to me quickly about meeting my deductable before the surgury but sinceI was driving and also SOOOO excited about my approval I'm not sure if there is more to it than that or not. I know my deductible has either been met or just about met for the year because of my monthly GP visits and a dermatologist and also the 2nd part of my phyc evaluation at the beginning of the year, but I'm now worried if they will ask me to pay the 20% or whatever it is that the insurance don't cover, before I have the surgery. This was not the case with my other 2 surgeries and I'm not sure if it is with this one or not but as of right now I'm not positive about it or not. I probably wouldn't have gave it a thought except my husband (the party pooper) started asking me where I was planning to come up with the, possibly $4000 or $5000 (hopefully insurance don't leave us with that much to pay) in a little over a month. I told him how Deb just mentioned I would have to have our deductible met, but I really couldn't honestly answer the rest of his question. I know we could do maybe $2000 or less and we could swing the $3000 to $5000 that we may be looking to have to cover but it will be REALLY tight around our house for a while!!! It would be so much easier to pay the few little bills like $300-$400 here and there for anesthesiologist and radiology and what not, and then pay the other couple of bills off in like 3-6 payments or whatever, so we didn’t just drowned it all. That’s how I paid my other two surgeries. But honestly, even if I had to come up with $5000 before my surgery I would!
Has anyone else ever had to come with big money ($3000-$4000) out of pocket before surgury when you've been pre approved by insurance?
But now I've got all these qustions flying trough my brain. The woman that called me from the Dr. office talked to me quickly about meeting my deductable before the surgury but sinceI was driving and also SOOOO excited about my approval I'm not sure if there is more to it than that or not. I know my deductible has either been met or just about met for the year because of my monthly GP visits and a dermatologist and also the 2nd part of my phyc evaluation at the beginning of the year, but I'm now worried if they will ask me to pay the 20% or whatever it is that the insurance don't cover, before I have the surgery. This was not the case with my other 2 surgeries and I'm not sure if it is with this one or not but as of right now I'm not positive about it or not. I probably wouldn't have gave it a thought except my husband (the party pooper) started asking me where I was planning to come up with the, possibly $4000 or $5000 (hopefully insurance don't leave us with that much to pay) in a little over a month. I told him how Deb just mentioned I would have to have our deductible met, but I really couldn't honestly answer the rest of his question. I know we could do maybe $2000 or less and we could swing the $3000 to $5000 that we may be looking to have to cover but it will be REALLY tight around our house for a while!!! It would be so much easier to pay the few little bills like $300-$400 here and there for anesthesiologist and radiology and what not, and then pay the other couple of bills off in like 3-6 payments or whatever, so we didn’t just drowned it all. That’s how I paid my other two surgeries. But honestly, even if I had to come up with $5000 before my surgery I would!
Has anyone else ever had to come with big money ($3000-$4000) out of pocket before surgury when you've been pre approved by insurance?
Don't dig your grave with your own knife and fork.
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