Ok....insurance questions. I am at the begining and I am already confused! LOL

Ok, My company is self insured, Premier-PPO, I have poured over the policy book and it looks like they will pay 85% of my surgery with a deductible of $1000 max for me to pay. Both of my local Drs. (Bauer and Rowitz) are approved providers. (yipee).....so my questions is about how much $$$ does it cost for the surgery? How much savings do I need to have avaliable to pay for WLS? I know my health is more important than cost, but I worry about how the to make ends meet with WLS and being out of work. Any suggestions or ideas would be greatly appreciated. Thanks, Lisa

Hi Lisa,well My surgery so far is at 41.000 (now that is with the pre-op testing,hospital stay,anisth,ect. My husbands ins didnt cover the W:S so I am hoping my medicare will cover it(pray for me...lol)so far they HAVE paid the surgens so i see no reason why they wouldnt pay the rest.I figure I will be looking at 5.000 for my part,wich you really can't ptu a prive on life,thats how I have to look at it.So remember its not just the Dr. its the hosputal,and many many other ppl.Hope this helps..Good luck Take care Renee Sc

you will be asked to pay 15% of the surgeons cost and 15% of the hosp. cost plus the $1000 deductible if not already met. at our office that 15% would be $325.00 and the hosp. would be $2600.00. you can call the surgeons office and they should be able to give you an estimate.