Guest guest Posted November 8, 2004 Report Share Posted November 8, 2004 I have heard that a Florida insurance company (sorry, but I can't remember which one), at least at one point, was authorizing the surgery, but was only willing to pay something like $1,500 for them. Which isn't enough for the surgeon, who flatly said he can't do it for that amount. C. > > i recently had SARPE and i believe my insurance(BCBS)said it was > covered, yet my Oral charged me $3000 out of pocket, saying the > insurance doesnt cover all of his expenses. anyone else have this > experience? i am also going to have Lower done, and he said that > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 8, 2004 Report Share Posted November 8, 2004 I have heard that a Florida insurance company (sorry, but I can't remember which one), at least at one point, was authorizing the surgery, but was only willing to pay something like $1,500 for them. Which isn't enough for the surgeon, who flatly said he can't do it for that amount. C. > > i recently had SARPE and i believe my insurance(BCBS)said it was > covered, yet my Oral charged me $3000 out of pocket, saying the > insurance doesnt cover all of his expenses. anyone else have this > experience? i am also going to have Lower done, and he said that > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 8, 2004 Report Share Posted November 8, 2004 I have BCBS and my company's plan only pays for 80% until you meet the 1700 maximum co-insurance. My surgeon had been asked by the insurance company to write it off. It was a big surprise when I got my bill. So maybe you have to do some research as to what the charges are and maybe ask your insurance company to ask them to write it off. Hope this helps! Mindy > > i recently had SARPE and i believe my insurance(BCBS)said it was > covered, yet my Oral charged me $3000 out of pocket, saying the > insurance doesnt cover all of his expenses. anyone else have this > experience? i am also going to have Lower done, and he said that > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 8, 2004 Report Share Posted November 8, 2004 I have BCBS and my company's plan only pays for 80% until you meet the 1700 maximum co-insurance. My surgeon had been asked by the insurance company to write it off. It was a big surprise when I got my bill. So maybe you have to do some research as to what the charges are and maybe ask your insurance company to ask them to write it off. Hope this helps! Mindy > > i recently had SARPE and i believe my insurance(BCBS)said it was > covered, yet my Oral charged me $3000 out of pocket, saying the > insurance doesnt cover all of his expenses. anyone else have this > experience? i am also going to have Lower done, and he said that > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 9, 2004 Report Share Posted November 9, 2004 the Oral gave me a list of non-covered items for Orthognathic services. i dont have it on me right now....so what did it cost u out of pocket? > > > > i recently had SARPE and i believe my insurance(BCBS)said it was > > covered, yet my Oral charged me $3000 out of pocket, saying the > > insurance doesnt cover all of his expenses. anyone else have this > > experience? i am also going to have Lower done, and he said that > > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 9, 2004 Report Share Posted November 9, 2004 the Oral gave me a list of non-covered items for Orthognathic services. i dont have it on me right now....so what did it cost u out of pocket? > > > > i recently had SARPE and i believe my insurance(BCBS)said it was > > covered, yet my Oral charged me $3000 out of pocket, saying the > > insurance doesnt cover all of his expenses. anyone else have this > > experience? i am also going to have Lower done, and he said that > > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 9, 2004 Report Share Posted November 9, 2004 It cost me $600 for the co-insurance (the 20% that wasn't covered) for the splints. After that, I think they waived the actual fee from the surgeon to perform the surgery so I ended with a final bill of $90. Otherwise the part that they wrote off was about $12,000 or something like that. That was so awesome! Mindy > > > > > > i recently had SARPE and i believe my insurance(BCBS)said it was > > > covered, yet my Oral charged me $3000 out of pocket, saying the > > > insurance doesnt cover all of his expenses. anyone else have this > > > experience? i am also going to have Lower done, and he said that > > > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 9, 2004 Report Share Posted November 9, 2004 It cost me $600 for the co-insurance (the 20% that wasn't covered) for the splints. After that, I think they waived the actual fee from the surgeon to perform the surgery so I ended with a final bill of $90. Otherwise the part that they wrote off was about $12,000 or something like that. That was so awesome! Mindy > > > > > > i recently had SARPE and i believe my insurance(BCBS)said it was > > > covered, yet my Oral charged me $3000 out of pocket, saying the > > > insurance doesnt cover all of his expenses. anyone else have this > > > experience? i am also going to have Lower done, and he said that > > > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 10, 2004 Report Share Posted November 10, 2004 Tim, BCBS has all kinds of plans; however, if your OS is in contract (network) with BCBS he is basically saying that he will reduce his rates to what BCBS requires by contract. I would check this out with BCBS, first. If he is " out of network " then your insurance will only pay 50%. I have BCBS and just had upper/lower jaw surgery 10 weeks ago. BCBS paid 100% of my OS bill including the splint, 100% of the Anesthesiologist and all but $500 of the hospital (and I was in ICU for 2 days due to allergic reation to medication). It is interesting that your OS is charging so much out of pocket. Good Luck. Pam > > > > > > > > i recently had SARPE and i believe my > insurance(BCBS)said it was > > > > covered, yet my Oral charged me $3000 out of pocket, > saying the > > > > insurance doesnt cover all of his expenses. anyone else > have this > > > > experience? i am also going to have Lower done, and he > said that > > > > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 10, 2004 Report Share Posted November 10, 2004 Tim, BCBS has all kinds of plans; however, if your OS is in contract (network) with BCBS he is basically saying that he will reduce his rates to what BCBS requires by contract. I would check this out with BCBS, first. If he is " out of network " then your insurance will only pay 50%. I have BCBS and just had upper/lower jaw surgery 10 weeks ago. BCBS paid 100% of my OS bill including the splint, 100% of the Anesthesiologist and all but $500 of the hospital (and I was in ICU for 2 days due to allergic reation to medication). It is interesting that your OS is charging so much out of pocket. Good Luck. Pam > > > > > > > > i recently had SARPE and i believe my > insurance(BCBS)said it was > > > > covered, yet my Oral charged me $3000 out of pocket, > saying the > > > > insurance doesnt cover all of his expenses. anyone else > have this > > > > experience? i am also going to have Lower done, and he > said that > > > > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 10, 2004 Report Share Posted November 10, 2004 my OS asked for a $6500 deposit bec he is not in the BCBS group. but then he also charged the ins for his partner who assisted in the surgery, knowing that they would not pay that entirely. my ins paid 80% of the total bill whicih he submitted as 25,000$ they paid 17000. I didnt give him the entire deposit and he ended up writing off a couple of thousand. the ins paid the anestheisa 100% and the hospital 100%. Re: costs for surgery Tim, BCBS has all kinds of plans; however, if your OS is in contract (network) with BCBS he is basically saying that he will reduce his rates to what BCBS requires by contract. I would check this out with BCBS, first. If he is " out of network " then your insurance will only pay 50%. I have BCBS and just had upper/lower jaw surgery 10 weeks ago. BCBS paid 100% of my OS bill including the splint, 100% of the Anesthesiologist and all but $500 of the hospital (and I was in ICU for 2 days due to allergic reation to medication). It is interesting that your OS is charging so much out of pocket. Good Luck. Pam > > > > > > > > i recently had SARPE and i believe my > insurance(BCBS)said it was > > > > covered, yet my Oral charged me $3000 out of pocket, > saying the > > > > insurance doesnt cover all of his expenses. anyone else > have this > > > > experience? i am also going to have Lower done, and he > said that > > > > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 10, 2004 Report Share Posted November 10, 2004 my OS asked for a $6500 deposit bec he is not in the BCBS group. but then he also charged the ins for his partner who assisted in the surgery, knowing that they would not pay that entirely. my ins paid 80% of the total bill whicih he submitted as 25,000$ they paid 17000. I didnt give him the entire deposit and he ended up writing off a couple of thousand. the ins paid the anestheisa 100% and the hospital 100%. Re: costs for surgery Tim, BCBS has all kinds of plans; however, if your OS is in contract (network) with BCBS he is basically saying that he will reduce his rates to what BCBS requires by contract. I would check this out with BCBS, first. If he is " out of network " then your insurance will only pay 50%. I have BCBS and just had upper/lower jaw surgery 10 weeks ago. BCBS paid 100% of my OS bill including the splint, 100% of the Anesthesiologist and all but $500 of the hospital (and I was in ICU for 2 days due to allergic reation to medication). It is interesting that your OS is charging so much out of pocket. Good Luck. Pam > > > > > > > > i recently had SARPE and i believe my > insurance(BCBS)said it was > > > > covered, yet my Oral charged me $3000 out of pocket, > saying the > > > > insurance doesnt cover all of his expenses. anyone else > have this > > > > experience? i am also going to have Lower done, and he > said that > > > > would cost me about $4000 Quote Link to comment Share on other sites More sharing options...
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