I was told that my insurance covers 90% after deductible is met.  Has anyone had their insurance NOT cover the procedure?? Also, those whose insurance did cover it, what was your out of pocket expense??

I haven't had surgery yet but was told my insurance covered it 100%, I was responsible for the deductible for the over night hospital stay which is $250 per day, my Dr. told me I should be there for one night so I'm guessing $500.

My insurance covers 90% after deductible as well, up to my maximum out of pocket per the insurance plan. I have already used a significant portion of my insurance plan's out of pocket maximum, so right now I am looking at just under 2000.00, to be paid in full after insurance officially approves the surgery but before the surgery takes place.

This was a shocker to me, as I thought I would be billed afterwards, but it is still considered elective surgery so I have to pay upfront. Make sure you check with your plan and your hospital so you don't get the jaw to the floor-it is like I did.

Best wishes!

You should also have a n out of pocket on your insurance.  So you would be paying deductible and then 10% up to an out of pocket amount. The deductible counts towards the out of pocket. After you have met the out of pocket..coverage is then at 100%.  Check your policy book or call the insurance and ask about this.

My insurance covers 90%.  I have a $400 deductible and a $300 inpatient copay.  Also have $3,000 max for out of pocket.  So my surgery is costing me $3,700.  They wanted all up front but I offered half and asked to be billed the rest.  They accepted.  Surgery for me is tomorrow.  Good luck on your journey!

My insurance covered my surgery and I was responsible for 15% after meeting my deductible.  I had to pay $1100 up front, it would have been about $195 more if I had paid the balance over time instead of right then.  I haven't received my explanation of benefits from insurance yet so I'm not sure what the final settlement will be.  What I paid was their estimate prior to surgery.

don't forget all the pretesting...endoscopy, venus dopler, chest xray, cardiologist, pulmanary, blood work, etc etc...all docs/requirements are different.  our largest outlay was for anesthesiaologist (not in any insurances),..   I paid about 5,500 out of pocket, which was my max.  no one asked for anything up front, and everyone billed separately. 

My insurance is 80/20, so I needed to pay my hospital deductable, then 20% of the bill.  I spoke to someone at the insurance company first, and they gave me a total out-of-pocket estimate of just over $4,000 based on all the other VSGs they've handled.  

Funny thing is, after surgery when I got my benefit explanation from them it listed what the hospital and doctors billed them, what they were paying, and then...my expected out of pocket at $2100.  I was much happier with that!