Insurance help again???

Ok this lady from the relize-band called me  back about my insurance plan she said I have a 1000.00 deductible and 4000.00 out of pocket, so I have to freakin come up with 4000.00, But when a girlfriend of mine who I work with called the insurance company she was told that the surgery was fully covered . So I don't understand we have the same plans.Maybe I should call Dr.Curry's office  b/c the lady said she contacted their office. It will take me forever to save 4000.00, this is such a bummer.Anyone else have Anthem BCBS PPO?                                   Natalie

Usually they will say the surgery is covered, but your deductible still applies to office visits and it has to be met for surgery to.  Being it's the beginning of the year you probably haven't met any of those yet.  That has to be met first in most practices before anything else is paid.

Office visits do not appy to deductible, only if they do lab or xray in the office the deductible will apply usually but not on all plans.  I don't know why they would charge the oop (out of pocket) up front, i could see the deductible if it's not met.  What the oop means is that once you reach that, then most of your claims will pay 100%.  I am not clear why they would charge you oop up front.

Natalie do you not have a benefit booklet that tells you your benefits?   You can go on Anthem.com and get benefits online if you have your ID number and etc.   Now you said your friends pd 100% was it this year she had surgery 08 or in 07.  That may be why if she had it done in 07 she may have met the 1000.00 and pd in on her out of pocket of 4000.00.    I would try and look at your policy just look up hospital coverage and look up physician surgery services on your policy it should tell you what your benefits are.  You can also sign up on the website to also look at you claims, rx and etc on file.  If you need assistance navigating the website let me know.