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Re: Has anyone had excision surgery? I forgot to ask a few more questions?
From: Sabrina (anonymous@obgyn.net)
Sun Aug 27 17:14:01 2006
I don't know about the actual surgery. I am going to ask to have one
done nxt week. But as far as insurance, call them. Mine said that if
my dr won't do a lap that I could ask for an out of network referral due
to no specialists being available. It will costs the same as in
network.
At Sun, 27 Aug 2006, PAMELA wrote:
>
>1) How long did your surgery last?
>
>2) Were you bedridden afterwards?
>
>3) If you work, when were you able to return to work after your surgery?
> (Basically how much work did you miss)
>
>4) Did you have insurance?
>
> If so, did you have PPO or HMO?
>If you had PPO, did you have to pay anything up front (such as a
>deductible
>& coinsurance if it had not been met) whether your insurance was
>in-network
> or out-of-network?
>
>If you had HMO, did you have problems getting the surgery covered if
>your
> insurance was out-of-network?
>If so, did the doctor & his staff help you with your insurance to try to
> get your surgery covered?
> If so, did they still make you pay money up front?
>
>This is just something to help me greatly decide on if I want to have
>excision surgery or not. I am contemplating having it done before the
>end of the year. The only problem I do not know how much time that I
>might have to miss from work (I have very limited time at my job) & I
>really do not have alot of money to put down for a down payment. I have
>PPO insurance, but most of the good doctors who do excision surgery are
>out of my area (I live in Florida). I have met my deductible &
>coinsurance for this year with my insurance but that is of course for
>in-network doctors. But going to the excision surgeon that I want to go
>to would be out-of-network, which I have not even used any of those
>benefits with my insurance. I have 5,000.00 out-of-pocket that has not
>been met & I think either 600.00 or 300.00 deductible that has not been
>met. Either way I would have to pay quite a bit up front if the doctor
>makes me pay up front. The last surgeon that I went to to do my
>laparoscopy almost made me pay up front too, but I weasled my way out of
>it because I work at a hospital (I was EXTREMELY lucky that time). It
>is sad that these doctors are making us pay our deductible & coinsurance
>up front when we have insurance. That is why we have insurance. And
>many of us who have insurance cannot afford to pay anything up front
>even though we have insurance. It totally sucks. I spoke with some
>people at my job asking if I could somehow get a surgeon & hospital out
>of my area (who would be considered out-of-network) to be in-network
>with my insurance. I was told that it could be done, but it would
>probably have to be extenuating circumstances. That one woman that I
>spoke with said that my problem would not be considered that. That
>really made me angry. I think having Endo & having all the problems
>that we have we all need to have the money to be able to go to the best
>surgeon possible so that our life is bearable. I don't know why someone
>would say something like that. I guess from what she said it is not
>worth me calling my insurance or even writing a letter to get an
>authorization (or referral) from my insurance to make the surgeon &
>facility that I want to go to participating with my insurance (due to no
>good surgeons or hospitals in my area) because Endo is not VERY serious
>at all. I could just punch her out. Well, thanks for letting me vent
>some. Thanks to all of you that have alreay responded. All your
>responses helps greatly.
>
>--
>Pamela
>
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