Question:
bcbsnc deductible

Hi guys I have just started the process for the lap band. I contacted my insurance company and they said that bariatric surgery is covered with per-approval in my plan. Then she told me that I would have to pay a $2,500 dollar deductible. I'm wondering if I have to pay this up front or if it will be billed to me? If anyone has the same ins. or ran across this issue please answer my question. Thanks    — oneprincess2 (posted on May 8, 2008)

May 8, 2008
My son has BCBS of CA and he has a $3,000.deductible and it has to be paid up front.
   — dyates2948

May 8, 2008
Anything that has the word deductible has to be paid up front. It sucks I know.
   — nascar_angel_3_2003

May 8, 2008
Give some of the money down and ask if you can pay in payment's it will work out.
   — 2409w.poplar_rodriguez

May 8, 2008
When I went in for the consultation at my surgeon's office, I spoke with the financial counselor first and she said the deductible will be billed to me and it doesn't have to be paid up front.
   — brooklyn_b

May 8, 2008
What kind of ins is it?
   — YummyMummy1

May 8, 2008
The type of ins. is blue cross blue shields of NC PPO
   — oneprincess2

May 8, 2008
I have BCBCNC and a couple of years ago when I had my Lapband surgery I got denied at first because it didnt actually cover it...only gastric bypass. My doc appealed and finally got it approved for me. I have a $500 deductable and I did not have to pay any up front money other than some classes I had to go to on nutrition. I still have no problem using my insurance for fills and so fourth. Good Luck. Where in NC do you live? I used Dr. Miles out of Wilmington for my surgery, great doctor!
   — Babbles

May 9, 2008
Yes, I think you will need to pay up front. If you surgery is surgery scheduled out a few months try to pay smaller payments till the actual date with them.
   — tayee24

May 9, 2008
Deductibles generally must be paid up front with most hospitals. You can ask to speak with a supervisor and try to negotiate that and sometimes it really works. They are a business and often willing to negotiate if you push through to the right person. The doctor's office is sometimes alot more gracious when it comes to a payment plan. Stand your ground with the hospital business office and ask for the boss, the desk clerks are just a step on the bottom of the ladder. Go straight to the top and present your case. LOL, tears help! Good luck!
   — texast

May 9, 2008
Deductibles generally must be paid up front with most hospitals. You can ask to speak with a supervisor and try to negotiate that and sometimes it really works. They are a business and often willing to negotiate if you push through to the right person. The doctor's office is sometimes alot more gracious when it comes to a payment plan. Stand your ground with the hospital business office and ask for the boss, the desk clerks are just a step on the bottom of the ladder. Go straight to the top and present your case. LOL, tears help! Good luck!
   — texast

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