Insurance-to good to be true, but it is!

O.k. So after reading so many posts here about various insurance co-pays, deductables etc, I thought I better call my unsurance and check.  I did not recall the dr office telling me anything about this in my initial consultation, but I have slept since then. Turns out since I am "in network" I have a zero deductable, and zero co-pay.  I will litterally owe nothing, except for my perscriptions needed after I go home.  The seemed to go to be true, so I keep pushing the lady at Anthem and sure enough its true.   I thought I would share some good insurance news for a change.

Kim, I have Cigna and mine is pretty much the same.  It nearly paid for everything.  I do still pay a $20 copay at each of my post op visits but hey, it's worth it! I guess not all of us have horror stories. Congrats! Jacqui

Kim, Be careful about those $20 copay.... there is what is called a "global post op period" after surgery, in which the Dr can not charge you for f/u visits.  I don't know off the top of my head 100%, but I think for RNY it is 90 days, UNLESS  you are seeing the Dr. for a problem unrelated to your surgery. feel free to contact me if you have questions about this, I work in insurance billing/coding and am happy to help if I can. Lori

Yep, I have the $15 per office visit. I'll take it!

Good for you, Kim!!!! I know you are excited about getting your date soon! Hopefully it won't be long!!!  Good luck!