Breakdown of surgery costs

[Guest guest]

Hi everyone,

Thanks so much for your advice on the choosing my surgeon question.

I did find out that the hospital he performs in is in-network, so

it's covered at the 15% rate, but the surgeon himself is out-of-

network, so I have to pay the 35%.

Anyways, after I have totally confused myself:-), I wanted to know

from you helpful people that have been through this, what percentage

of the charges of this surgery are hospital vs. doctor? I have no

clue how much my surgery will cost (just upper, moving up and maybe

back slightly), but if I had a percentage I could at least rely on

that. Also, I could get insurance through my employer at a cost of

approx. $175/mo, and that would mean I have dual coverage, (same type

of provider network, but out of network is 30%), so we would be

paying $150/mo for hubby's insurance (can't cancel until Dec.) and

$175 for mine, but is it worth it in the long run? I am utterly

confused!

Thanks!

[Guest guest]

,

The day of my surgery/hospital stay (3 nights), the charges to my

insurance were $11,800 (surgeon-40%), $16,058 (hospital-54%), $1,680

(anesthesia-6%). I don't know if the anesthesia would fall under

doctor or hospital. Everything was covered, but the insurance

actually paid only a small percentage of the total (maybe 30%?). I

had upper/lower. Hope that helps. Sandy

> Hi everyone,

>

> Thanks so much for your advice on the choosing my surgeon

question.

> I did find out that the hospital he performs in is in-network, so

> it's covered at the 15% rate, but the surgeon himself is out-of-

> network, so I have to pay the 35%.

>

> Anyways, after I have totally confused myself:-), I wanted to know

> from you helpful people that have been through this, what

percentage

> of the charges of this surgery are hospital vs. doctor? I have no

> clue how much my surgery will cost (just upper, moving up and maybe

> back slightly), but if I had a percentage I could at least rely on

> that. Also, I could get insurance through my employer at a cost of

> approx. $175/mo, and that would mean I have dual coverage, (same

type

> of provider network, but out of network is 30%), so we would be

> paying $150/mo for hubby's insurance (can't cancel until Dec.) and

> $175 for mine, but is it worth it in the long run? I am utterly

> confused!

>

> Thanks!

>

>