Anyone who has had surgery recently with an hmo what was your out of pocket expense?

My surgery is scheduled for September 19 and I am wonderin from others who have an hmo what was your out of pocket expense for the hospital. I won my approval on an appeal by Gary but my policy was different then. I only had to pay the deductible, now under the new policy they only pay 90%. If anyone has an about of what you had to pay please let me know. I should have requested that once approval was gotten it retroact back to the old policy. who knew Nalani

hey! I replied to the other one before i read this one! With my insurance, they pay all except for $100 a day. I am not sure if its 80% or not they pay. You will have to check with your insurance company to find out for sure. Or you can call the hospital and see if they can find out for you. Take care!

hey Nalani! (Pretty name btw) I have BCBS HMO and my cost for the hospital is 200$.... and that's very clear in my policy:200 deductable for any hospital stay...but every HMO can be different ... it sounds like you will have to find out...I hope it works out for you... best wishes, Rita

thanks all, I know my deductible is 200 but then under the new policy which started on July 1, 2005 it says they only pay 90%, so..... I am going to my complications class on Thursday so I will ask to see the insurance person. Actually they would not have even paid for it had I not filed an appeal and won due to the exclusion that started on July 1, 2005. They prematurely denied me so I have a one time exemption I guess I should have asked for the policy I was under when prematurely denied to cover the surgery. I may go ahead and pay whatever then go and ask for reimbursement. who knows. Nalani