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! 

Anthem Blue took 2 weeks for approve my request, but they paid well and my out of pocket was not too bad.  I had to write a check for $518.00 at the hospital for the 2 days and just my copay for office visits with the doc...All other expenses were covered.  So for $518 it gave me a great and wonderful gift of a new beginning and life.

Congrats and best of luck moving forward

Just wanted to share a positive story.  My doc submitted my packet to Anthem Blue Cross Blue Shield on Monday and we had approval in 24 hours.  I kind of feel bad for bad mouthing Anthem previously for other issues ;-)

So, I know it isn't the case for everyone, but thought I'd share for other Anthem BCBS folks!