Paying the Insurance deductible

By tntsweetie on 26 May 2012

So I started my process a couple months ago with a consultation as I always wanted to have a breast reduction. When I walked in the office I didn't even have it in my mind to try to have insurance pay for the surgery but the doctor wanted to submit it just in case. I am measured as a 36DDD, 5'5, and under 200 pounds (solid). After the consultation I was sent home with no real price on out of pocket fees because I was sure that my insurance would not cover it. I mean I had just started seeing a chiro and no documentation of back pain with my doc (i always go to my ob/gyn). Weeks later I received an approval letter and the surgery was set fo the 12th of Jun. My have time flown because im weeks away from my surgery and still don't know when the deductible is going to be collected. I was given numbers to the surgery center but haven't been able to reach anyone. Can anyone help. Also i'm so scared that im stressing myself out. I don't want to become depressed if I end up too small. My PS told me that at least 630 grams have to be removed (under a 1 1/2) seems like a lot to me. My back pain is severe due to an undeveloped bone in my lower back and with my genes i'm just going to get bigger (24 years old). My boyfriend can I only be so supportive and I don't really want every one to know i'm having this surgery. Any advice?

Comments (6)

tntsweetie 10 Jun 2012

Thank you everyone for your comments. I am going prepared to pay just in case but it seems like it will be after because no one is telling me. 2 more sleeping days. Yayyyy!!! I feel unprepared though what are the must things to have beforehand.

busy98 10 Jun 2012

Usually you will pay deductible after ins pays dr. If Dr office wanted before then they would have told you..Good luck!

zing 31 May 2012

Everything goes threw my insurance company first and then I am supposed to pay max out of pocket ( Should be around 1,800 to 2,000). I will make payments on that. My surgery was May 25th.

bambilynn22 30 May 2012

I had a hell of a time trying to figure the cost and still don't know for sure but I have a rough estimate. My PS told me they bill the insurance 10K for the surgery and I would need to find out what the allowable cost is by my insurance (not something they wanted to provide upfront). I finally found out the allowable cost is 9K and my insurance is an 80/20 so I will pay about $1800. This does not include the anesthesia and other fees but it is an estimate. I suggest calling your insurance and ask them the allowable cost for the surgery. I had to be transferred to the escalations dept b/c they didnt want to tell me. I think its crazy that if I am the one being billed for something and want to plan the pay it they cant give me an amount. They do this all the time. I dont.
My surgery is scheduled for June 13th. I am a 30JJ and want to go to a B or C. I want to make sure its worth it. I can always buy a padded bra but I can't make myself smaller. Good Luck!

tishtimmons 29 May 2012

I paid my deductible up front. My surgery is also scheduled on June 12th.

manda1079 28 May 2012

I think most places make you pay the deductible after your insurance is billed post surgery. That's how my doctor does it anyway. It may differ depending on where you go and what their policies are.