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Reply #61: Yeah, for my shoulder surgery with insurance my out of pocket is over $3000 so far [View All]

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csziggy Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Aug-15-09 12:52 AM
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61. Yeah, for my shoulder surgery with insurance my out of pocket is over $3000 so far
I expected and budgeted for the $2000 deductible, but I did not expect the copays to be as high as they are and the additional bills keep coming in, even though I paid the estimated co-pays and deductible ahead of time for the surgeon and the surgical facility.

The thing that pisses me off is that I did not get told the exact amounts that had to be paid ahead until three days before the surgery and they had to be paid two days before the surgery. So I had to rush in and pay them with little notice - good thing I had budgeted for them!

The other part that gets me is that in 1994 I had much more extensive surgery on my other shoulder - a total reconstruction of the rotator cuff. That was the kind of surgery surgeons write up to share with their colleagues and show the video of at conferences. We had no insurance then and paid out of pocket for everything. The total bill was about $12,000, including physical therapy.

This surgery, which lasted a quarter of the time and was not anywhere near as involved, apparently was billed at more than four times that amount to the insurance company - and I have not done a real total so it may be five times as much. I am stunned at the increase in costs in fifteen years.

Yes, getting surgery without insurance sucks, but it sucks pretty bad WITH insurance!
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