Ugh...more ?'s

I have BCBS PPO through Meijer - the extended care plan. 

The policy apparently only pays out $50,000 max per year per person.  I'm worried about this.  Lets just say that I don't get ill enough to need to be hospitalized at any other time.  50K is plenty for VSG, right?  I already know that I have to pay $1000 plus 20% no matter what, not including co-pays for the surgeon, psych or NUT. 

Also, I've heard of people getting individual coverage for a pretty decent amount.  Where do they find coverage and what kind of coverage was it?  Was it just emergency coverage in case there were complications?  I would like a minimum of coverage for complications, but if I could get a plan that would cover me, I might just go for that, too.

Anyone?

I have not been through it yet myself, but am obsessive compulsive with researching every website I can.

Here's my person opinion.  In general, bariatric surgeries range from 15,000-25,000 or 30,000.  So the surgery itself would be okay.  Honestly though, you never know.  Personally, I'd be okay with doing it with that coverage, but I have also heard stories about people needing additional surgeries, needing to stay 2 weeks post-op, so it really is hard to generalize it. 

Out of curiousity, do you have to pay 20% of your surgery as well?

My brother in law works for Meijer Warehouse, and has for over 5 years, if there is anything I could ask him for you, for a second opinion, just let me know.

In MN (Northern & SouthEastern) I know of two hospitals that are charging about 12K for the VSG. Hope this helps.