Medicaid as a secondary
I have CBA Blue which is a subsidiary of BCBS of Vermont. I also have Connecticut Medicaid( Husky A).
My primary has a $250 deductible which I am putting the money into a flexible spending account every time I get paid. I also have 80% coinsurance and a $1500 out of pocket expense. Now it all of a sudden dawned on me that I may have to pay the $1500 up front! Yikes! I don't have $1500 to cough up right now and I sure as hell can't get a loan with my crappy credit!
Now since I have medicaid, will they pick up the out of pocket expense? Had I known earlier this year that I would be getting WLS, I would of been adding more $$ in my flexible spending account!!
I don't have a problem paying it if my surgeon doesn't expect it up front! I'm just scared now, it will take me a long time to come up with this money!
If Medicaid covers WLS in your state, they will pick up the out of pocket as long as you have met their pre-surgery requirements. For my state you need a BMI of over 40 w/comorbidity, a 6-month medically supervised weight loss program, psych eval, and referral from your doctor. My primary insurance only covers the hospital, not the surgeon's fees. Medicaid picked up what the primary didn't cover.