Cigna

[goinbatty]

I meant to post this earlier but forgot.  The facility billed around $72,000 for CK x5.  With the PPO discount, insurance paid around $47,000.  And believe it or not, I owed nothing.  That was such a huge relief. 
Sandra

[Jim Scott]

Sandra;

While we all grumble about insurance companies and occasionally have some hassle with them, in most cases they usually do pay all or most of the medical bills.  I'm glad this worked out so well for you. 

Jim

[leapyrtwins]

Jim's absolutely right.

While I moan about my insurance company, I also thank God I have them.  Without them I could have never afforded my AN or my BAHA surgery.  I've only had to pay deductibles since my docs and the hospitals were all in my network.

It's great your insurance company paid for everything, Sandra.

Jan

 

[claire1]

Jan

What network are you talking about? I wonder if university of pa is in the network of medicare that would accept the payment they pay?  HMMMMM, I'll have to check on that tomorrow.
Thanks
Claire

[leapyrtwins]

Claire -

My insurance is paid for by my employer and is through Guardian.  The network is PHCS - Private Health Care Systems. 

My individual deductible for in-network services is $400 per calendar year.  Last year, my $400 was applied to my MRI, so all the costs of my AN surgery were paid 100% by my insurance company - after they discounted it.  The anesthesiologist wasn't in my network, but because I had no choice of providers, the insurance paid him as if he were, and thankfully he didn't charge me the difference.

This year my $400 deductible went towards my BAHA surgery.  I'm waiting to see what happens with the cost of my BAHA processor - estimated by the doc & audiologist to be $2,500.  If it's billed through the doctor's office, the insurance should pay for it 100%.  If it's billed through Cochlear America - where it was manufactured - I'll probably get hit with a $800 out-of-network deductible plus 20% of the balance.

I sure hope it's billed by the doc's office 

Jan

[Soundy]

I have Cigna and they are refusing paying for BAHA surgery but paid well on AN removal and post treatment

[MAlegant]

I have Cigna and they refused my second pre-surgery MRI calling it "not medically necessary".  Wait till they get the third MRI from today! I called them and asked why a brain tumor wouldn't be a good reason for an MRI and they didn't really have a good answer for me.  I've asked the doctor to provide more information to them. I just hope we're not at the beginning of a struggle with them.  It's hard enough going through the medical stuff, I don't want to worry about my health insurance.  Don't get me wrong, I am grateful to have health insurance, I'm just cranky today.
Marci

[Tisha]

A question for those with CIGNA insurance.   I have the HRA Core right now.  They offer in-network and out-of-network.

Do you know if they pay for Frationated radiation?  I'm just in the wait and watch mode, but being very productive in my research.  The books say they pay for Neurology and Neurosurgery, but I didn't know if the radiation is covered by that.

When do I check with them.  We are having our renewal for next year starting next week.

Thanks

Tisha

[Soundy]

When I had surgery I was on CIGNA and they would have paid for radiation... I had checked on
both and CIGNA would have paid for either choice  , but due to some other health issues it
was decided that surgery was best for me...