Well, as the title says, I'm back to self-pay. I am now 200% sure my insurance only covers 50% of approved charges. I'm not worried about the doctor's, anesthesiologist's, etc. approved charges. They will be well under the cash pay price. However, I have been told by the hospital that the approved charges for the sleeve gastrectomy are $20,000 plus. I just couldn't belive that so I called my doctor's office to see if they could give me any insight. I didn't tell them about my conversation with the hospital. The insurance girl at Dr. Nicholson's office who has been there for "forever" told me that she recently had an experience with a gentlman who had the same insurance I did who was given the wrong information about his coverage like I was so many times. However, he never got to anyone who clarified his benefits. He only had 50% coverage like me and he ended up with a $20,000 bill at the hospital. Since I'm getting very similar stories from both the hsoptial and the doctor, I think this information must be correct. Therefore, my out of pocket would be more than paying the cash price.
Now, that being said, there are some advantages to cash pay. The major one being I won't have to jump through my insurance companys "hoops" to get approval.
So, here's to cash pay.
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