Guest guest Posted January 29, 2008 Report Share Posted January 29, 2008 I have BCBS of IL and my daughter is being casted tomorrow for a DOC band. We have private insurance since my husband is self employed, so we are not sure that we will even report to the insurance because they can raise our rates or cancel us whenever they want. Also, we have a high deductible of 1750. So their prearranged rate with CT is 2000. We would pay that first 1750. The balance left would be $250. Then they cover at 80%, which is $200. So we would pay $1800, and they would pay $200. Otherwise we can just choose to pay the full $3000. We really dont know what to do but we have to decide before tomorrow's casting. After looking in the database and seeing that no one has gotten coverage approved from BCBS of IL, Im thinking it's not even worth it to report it to them and risk getting our plan canceled, when they probably wont even cover it anyway! Anyone else in IL have BCBS and want to give me any advice? BTW our plan is called Blue Choice Select. It's like a PPO but its officially called a POS. Which stands for point of service but I think its very appropriate that such a bad insurance plan has the initials that stand for something else. -Shoshana , 4 months, 1 week old casting appt tomorrow for DOC band Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 29, 2008 Report Share Posted January 29, 2008 Shoshana, We got pre-approved for coverage through BCBS of IL Laborers Union for . But I think they differ a bit since all claims go thru the union first. Plus its a full PPO, not the POS, so I would think that would make a difference as well. We will decide next week if we are banding or not...but good luck to you! **************Start the year off right. Easy ways to stay in shape. http://body.aol.com/fitness/winter-exercise?NCID=aolcmp00300000002489 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 30, 2008 Report Share Posted January 30, 2008 We got approved with BCBS of IL. It was a pain and I had to call practically everyday to make sure it got done, but it finally went through. We have PPO and we don't have to pay anything for the band. They " rejected " us twice, once saying they didn't have the paperwork they needed and again due to " measurements " which actually DID fit their requirements, so I pushed the rep to send it to the review board again and then they approved it. > > I have BCBS of IL and my daughter is being casted tomorrow for a DOC > band. We have private insurance since my husband is self employed, so > we are not sure that we will even report to the insurance because they > can raise our rates or cancel us whenever they want. > Also, we have a high deductible of 1750. So their prearranged rate with > CT is 2000. We would pay that first 1750. The balance left would be > $250. Then they cover at 80%, which is $200. So we would pay $1800, and > they would pay $200. Otherwise we can just choose to pay the full $3000. > > We really dont know what to do but we have to decide before tomorrow's > casting. After looking in the database and seeing that no one has > gotten coverage approved from BCBS of IL, Im thinking it's not even > worth it to report it to them and risk getting our plan canceled, when > they probably wont even cover it anyway! > > Anyone else in IL have BCBS and want to give me any advice? BTW our > plan is called Blue Choice Select. It's like a PPO but its officially > called a POS. Which stands for point of service but I think its very > appropriate that such a bad insurance plan has the initials that stand > for something else. > > -Shoshana > , 4 months, 1 week old > casting appt tomorrow for DOC band > Quote Link to comment Share on other sites More sharing options...
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