Question:
Help! My surgeon doesn't accept BCBS PPO!

Does anyone know of any (good, experienced!) Florida surgeons that accept BCBS PPO (State of Florida Employee insurance)? I was hoping to have US Bariatrics do my surgery, but they require the whole amount up front ($10,000) before they will even submit to my insurance...    — Tim W. (posted on February 27, 2003)

February 27, 2003
Hi there...if you have a PPO you should be able to go out of network. That's the plus of a PPO vs. an HMO. You can use a doctor not in the plan and still receive benefits. That's what a PPO is. You will not recieve as high of a level of benefits and yes, will have to pay more out of pocket. But will still receive a good deal of coverage. Look into this with your HR department or directly with the insurance company. Good Luck!
   — PaulaM

February 27, 2003
There are lots of great docs in Florida...Dr. Marema is Great, however I know he makes you pay up front now and does not take BCBSFL. He charges around $9,000 to $11,000 and the insurance only pays about $1,600.00 for the surgery. He with PPO you can use who ever you want but you will have to pay the difference. How far are you willing to go? There is a really good surgeron in Ft. Lauderdale, Tampa and Gainesville (my surgeron). I am sure there are more, but these are the ones I know of. Email and let me know.
   — Sharon H.