Guest guest Posted August 22, 2001 Report Share Posted August 22, 2001 I just got off the phone with Dee at Dr. K's office -- boy, is she NICE! She was very patient with my nervous-about-the-insurance-company questions. She said they've had 2 or 3 Cigna patients (at least one Cigna PPO) approved, which was also good news! They're also working on getting contracted with Cigna, which would reduce my out-of-pocket by another $1000, which would be awesome. Currently, my out of pocket expenses break down as follows: program fee: $2000 (not covered by ins, money due at time of surgery) co-pay: $2000 (the max I have to pay in a year out-of-pocket for out-of-network providers...this goes down to $1000 if they get networked before surgery...at least a deposit on this amount due at time of surgery -- more excellent news -- the hospital will allow a payment plan for this money!!) deductible: $250 (which I probably will have met by then) She also said that there's a woman down there in Delano who rents out rooms to Dr. K's patients and will even help you with things like food and possibly even getting to the airport. I'm going to find out more about this since I'll probably be by myself for my post-hospital time (husband has to go home to care for babies). Even better news: she said my goal of surgery by the end of December is reasonable and do-able!! YAY! More good news: I have my surgical consult on October 12!! YAY YAY YAY! Dee said I'm doing all the right stuff by getting my prescription records (showing proof of having taken Phen/Fen) and other doctors' records. Now how do I break the news to my husband that this is going to cost $3-4k (instead of the $1k I had anticipated) and that I have to go to Delano??? Suggestions?? ~alyssa...happy camper!! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 22, 2001 Report Share Posted August 22, 2001 I just got off the phone with Dee at Dr. K's office -- boy, is she NICE! She was very patient with my nervous-about-the-insurance-company questions. She said they've had 2 or 3 Cigna patients (at least one Cigna PPO) approved, which was also good news! They're also working on getting contracted with Cigna, which would reduce my out-of-pocket by another $1000, which would be awesome. Currently, my out of pocket expenses break down as follows: program fee: $2000 (not covered by ins, money due at time of surgery) co-pay: $2000 (the max I have to pay in a year out-of-pocket for out-of-network providers...this goes down to $1000 if they get networked before surgery...at least a deposit on this amount due at time of surgery -- more excellent news -- the hospital will allow a payment plan for this money!!) deductible: $250 (which I probably will have met by then) She also said that there's a woman down there in Delano who rents out rooms to Dr. K's patients and will even help you with things like food and possibly even getting to the airport. I'm going to find out more about this since I'll probably be by myself for my post-hospital time (husband has to go home to care for babies). Even better news: she said my goal of surgery by the end of December is reasonable and do-able!! YAY! More good news: I have my surgical consult on October 12!! YAY YAY YAY! Dee said I'm doing all the right stuff by getting my prescription records (showing proof of having taken Phen/Fen) and other doctors' records. Now how do I break the news to my husband that this is going to cost $3-4k (instead of the $1k I had anticipated) and that I have to go to Delano??? Suggestions?? ~alyssa...happy camper!! Quote Link to comment Share on other sites More sharing options...
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