Re: If Insurance Doesn't cover then what???

[Guest guest]

>

> So if your insurance company doesn't cover any portion of the

surgery

> what are your options, short of paying upfront in cash??

>

I have the same question...How do you pay and what is the average cost

of lower jaw surgery?

[Guest guest]

Hi,

I had the problem that since my OS was an " Out of Network " provider, I

had to pay his fees up front which came to a total of $11,750. This

fee also included the assistant OS charges of $1,750.00. Luckily my OS

accepted Care Credit which basically is a medical credit card that

doesn't charge interest like most credit cards do. I applied for Care

credit and was luckily accepted for the $11,750. I am still waiting

for my insurance to pick up some of their portion of these fees, but

until then I have to pay Care Credit $339.00 a month. Care Credit

offers a few other payment plans, but some of the lower payment plans

carry an interest charge like a regular credit card.

The total cost of my hospital fees billed to the insurance came to a

total of $31,000.00. Luckily my hospital accepted my insurance.

Best of luck to you,

--Caboose

-

> >

> > So if your insurance company doesn't cover any portion of the

> surgery

> > what are your options, short of paying upfront in cash??

> >

> I have the same question...How do you pay and what is the average

cost

> of lower jaw surgery?

>

[Guest guest]

this should answer you question........

www.mybenefitsplus.com/40278757

find a provider and if your insurance doesnt cover something, dont worry you

will be charged a highly discounted price!!!!!!!!!!!!!!!!!!

take a look!!!

amithanikam wrote:

So if your insurance company doesn't cover any portion of the surgery

what are your options, short of paying upfront in cash??

[Guest guest]

Hi Beadjobs,

Many OMS do require the fees up front, but there was someone here

recently who posted that their OMS took payments. Checking around

your area to see if there is a good OMS who will do this might be

helpful. Since most of our surgeries have a long lead time, you might

even have a lot of it paid before surgery. An OMS who has their own

accredited surgical suite might be less costly too. Hospital charges

can really add up quickly, and a hospital is much more expensive than

a private surgical suite. Make sure you are near a hospital though,

and that your OMS has privilages there.

Some people have put a second mortgage on their home, taken a personal

loan out, and some have put it on cards and rotated the cards to

the " 0 " interest balance transfers offered for transferring your

balances. With interest rates rising, I don't know if I would feel

comfortable with that option, but it is out there.

I don't know if you have a medical trainging hospital near you, but

sometimes they have programs for other specialties where OMS in

training learn their craft. It would be really important in that

case, to investigate thouroughly that an experienced and certified OMS

was supervising the care and especially the surgery itself. And how

far along the OMS in training was would be a factor too. Depending on

the situation, that might be an option, but some teaching hospitals do

not really offer much of a discount for their training programs, and

then you may still be dealing with hospital fees for the OR. You

would need to investigate this really carefully. I know that Mt Saini

in NY has a plastic surgery program that is carefully supervised by

some of the top plastic surgeons in NY, and their fees are incredibly

low, and include the hospital OR charges too. I don't know of any OMS

training hospital programs, but it might be an option. Just a thought.

Good luck with this! Please share what you find out. It might be

helpful to someone else down the line.

Hugs,

Fran

> >

> > So if your insurance company doesn't cover any portion of the

> surgery

> > what are your options, short of paying upfront in cash??

> >

> I have the same question...How do you pay and what is the average

cost

> of lower jaw surgery?

>