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theacidrefluxman
Veteran Member


Date Joined Oct 2009
Total Posts : 739
   Posted 2/22/2014 9:56 AM (GMT -6)   
Anyone here struggling with medical bills? They cause so much bankruptcy in the US...I don't know what I am afraid of more, a serious medical problem, or the cost of it. I wonder how much a Nissen and ablation and things for GERD cost, and if they reach that level...

dencha
Forum Moderator


Date Joined Feb 2009
Total Posts : 7181
   Posted 2/22/2014 10:38 AM (GMT -6)   
Hi ARM,

Do you have health insurance? Those procedures are generally covered pretty completely via insurance, once judged necessary.

Hope you're having a good day! I think of you often.
Take care,
Denise

GERD/Heartburn Moderator
Nissen Fundoplication 2/09
Allergy/Asthma

"Whatever you fight, you strengthen, and what you resist, persists.”

“Worry pretends to be necessary but serves no useful purpose”

“Accept - then act. Whatever the present moment contains, accept it as if you had chosen it. Always work with it, not against it.”
Eckhart Tolle

theacidrefluxman
Veteran Member


Date Joined Oct 2009
Total Posts : 739
   Posted 2/22/2014 11:51 AM (GMT -6)   
Hi Denise,

That is good to know. Yes, I currently do.

I know a family whose daughter has cystic fibrosis, and the way their insurance works is you pay 20% after the deductible. Unfortunately for them, her surgery is a $500,000+ one, so they were looking at $120,000 out of pocket. And they were insured.

So I don't know how expensive other bills are. I imagine that ablation and resection are relatively inexpensive...but an esophagectomy? I bet its costly.

Not sure if everyone's insurance works this way. I work in a university environment, and it seems that the 20% after deductible is the norm for universities that I have seen...

dencha
Forum Moderator


Date Joined Feb 2009
Total Posts : 7181
   Posted 2/22/2014 12:21 PM (GMT -6)   
Hi ARM,

There is junk insurance out there. Often when people had a pre-existing condition (pre-ACA), they'd be forced to buy an expensive, high-deductible plan that cost a lot and covered little. Today it is illegal to discriminate against someone with a pre-existing condition.

It's easy to check out your coverage. Just look at the paperwork your insurance company sends you. It should be clearly stated. Of course whatever procedure you're looking to have must be deemed "medically necessary". If you weren't provided with a booklet that provides your insurance information, simply request the info. They're required to provide it. If anything is confusing, call for clarification.

Insurance coverage varies, so it's important to know what your insurance will cover.

Hang in there!
Denise

GERD/Heartburn Moderator
Nissen Fundoplication 2/09
Allergy/Asthma

"Whatever you fight, you strengthen, and what you resist, persists.”

“Worry pretends to be necessary but serves no useful purpose”

“Accept - then act. Whatever the present moment contains, accept it as if you had chosen it. Always work with it, not against it.”
Eckhart Tolle
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