might have to switch doctors

since there is ONLY one anesthesioligist (sp?) at St. Agnes that is a preferred provider for FEP-bc/bs  unless we use him we will have nearly 2k in bills for anesthesia alone.  

that's so NOT a plan for me.

awww that sucks ass!!!! i hope you guys can figure something out!!!! they wont let work out a plan???

a plan?
as in a payment plan?

why in the world would i want to pay 800 per person for anesthesia when I can pay 15% (now if it comes out to be the same amount we're good to go)

seems we always get screwed with anesthesia.

My mom used the same doctor I used and didn't have to pay anything.  He's a good doctor.  You might want to check him out. She has federal BC/BS.

Jenn 

it is NOT about the doctor.   the doctor is covered and a preferred provider.

this always happens with anesthesia.

the anesthesioloigst are never covered like the doctors

and they now for elective surgery are covered even less.

if she has FEP-BC/BS standard and she had the surgery recently there is no way she paid NOTHING.  trust me.

Wow!   I am not too impressed with your insurance.  
I hope everything works out for you. 

Cira you should be impressed.   Seriously.  Federal Blue Cross and Blue Shield opens doors when it comes to medical care that many folks can only dream of.

I can go to any doctor I want at any time, I do not need to have a PCP approve or recommend.

I know if the doctor charges  200 dollars and my insurance says they can charge 100 and i've met my deductable I will pay $15 dollars for a 200 dollar procedure.   most insurance makes you  pay 15% of the charge....

I know that the hospital will cost $200 per admission  

If the doctor submitted our requests for surgery monday we could have surgery friday if we were ready.

this is all about the anesthesiolgists not wanting to be preferred providers so they can get more money from us.   very few anesthesiolgiss are preferred providers and this year they have changed the an

what it says is:

You now pay 100% of the billed amount up to a maximum of $800 for anesthesia provided by a Non-participating anesthesiologist or certified registered nurse anesthetist (CRNA).  Previously, you paid 25% of the Plan allowance, plus any difference between our allowance and the billed amount.  [See Section 5(b).]

Basically what screws us is who the DOCTOR chooses to use for his anesthesioligist. (damn i better learn to spell that word).  IF the doctor prefers to use  someone who is not PPO then I will have to pay up to 800 dollars for anesthesia.


hubby has flat out refused to consider a different doctor.   

not much I can do.

The reason why I said I am not impressed is because I only paid my copays to see the doctor and any test I was having which was $15 or $10 and then everything was paid fully nothing else came out of our pockets.  

I forgot to mention. I am gkad that your hubby will stay with DVR. He is going to take very good care of your hubby.

oh i am sure i could get insurance that pays everything but then i have hoops to jump through

PCP to deal with
referrals to get
having to have a PCP do my gyn exams (YUCK)
not being able to see some doctors at all as opposed to paying a bit more.
diets to deal with
denials to worry about

i'm financially comfortable enough to take the hit it's just annoying.

we have sucky dental and eyeglass coverage too.  we pay for that because we like being able to go to any doctor or hospital we want flash our magic card and know we will have minimal payments in the end.

it's just the damn anesthesia.  it's ALWAYS been a thorn in my side.  


I am frustrated because i SERIOUSLY DOUBT any DOCTOR will let you dictate who you want for your anethesioloist.