Help! Help! Surgery is Wednesday but I just got a call saying there was a mistake with...

Izzi
on 8/10/15 5:55 pm
RNY on 08/12/15

                    Today while cleaning my home and doing some last minute shopping before surgery Wednesday, I got a call from my hospital asking when and how I would be paying my 50% of the surgery!! I was in shock! I have been told many times by Dr's office that my BCBS paid 100% after my deductible was met.  I have all of my emails and ref. numbers from weeks ago stating that I owe nothing and that my BCBS was paying 100% of the cost.

      So I have called and so has the Specialist at my Dr's office. They all just say sorry. "Courtney" at BCBS made a mistake in saying that. You do indeed owe the first 50% cost of the surgery. That cost from the hospital alone is 8,000.00 dollars. I am heartbroken and I think I will have to cancel the surgery. I don't have that kind of cash and I sure can't make something happen before tomorrow evening since surgery is Wednesday morning.

   Does anyone have any advice for me? Anybody with the same situation? Heartbroken is the only word I have to describe this horrible feeling. I have been crying on and off all afternoon since I found out. 

        I just don't understand how I managed to slip through the cracks until now.

 Thank you in advance,

izzi

    

HW-330, SW-312, SD 8/12/15

         

alouisa63
on 8/10/15 6:16 pm - Farmington Hills, MI
VSG on 07/30/15

 

 

How frustrating!   :(  Did you read your plan to double check?  Speak to a manager/supervisor at the insurance company??   Credit card(s)?

 

 

Starting Weight 375  SW 375 Height 5'9" 

Izzi
on 8/10/15 6:49 pm
RNY on 08/12/15

Yes, I called and checked. They are correct, my policy does exclude the first 50% of WLS cost. I am going to call in the morning and speak to a manager. My out of pocket max if i understood them correctly was $15,000.00 and with a hospital only cost being over $8,000.00 I am sure I would be out the full $15,000.00......I just don't have it right now and will not for a while.

Scarlette B.
on 8/11/15 8:18 am - TX
RNY on 03/20/14

I 100% self paid and only paid 15 grand.... What the heck?

LilySlim Weight loss tickers  

 

Kiwideb
on 8/10/15 6:39 pm
VSG on 01/19/15

I'm glad they caught it now, rather than after surgery. It sucks, but better to have options

 

If you'd met deductible, do you have a 50% coins to meet your OOp max?

Izzi
on 8/10/15 6:54 pm
RNY on 08/12/15

    They said the first 50% of WLS is excluded and that they will pay the last 50%.

I have met my deductible and my insurance is paying 100% of everything that is not excluded(so no coins). My max out of pocket is 15,000.00 dollars I if I understood them correctly for the surgery. 

alouisa63
on 8/10/15 7:13 pm - Farmington Hills, MI
VSG on 07/30/15

I wish there was a dislike button 

 

Starting Weight 375  SW 375 Height 5'9" 

Nich_R
on 8/10/15 8:02 pm

I am so sorry. 

Nichole | Portland, OR | VSG 07.08.15 | HW 371.1 | SW 348.2 | CW 199.6 | GW 150

Izzi
on 8/10/15 10:42 pm
RNY on 08/12/15

 Thanks, 

SLT718
on 8/10/15 8:22 pm

Izzi, do you have any paperwork from BCBS stating that they would pay 100% or was it your doctor's office that said that? If you do, I would think that they would be held responsible. Don't give up! 

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