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To those who have United Insurance....Question about tubal ligation - Kiki

Posted: Apr 29, 2010

MQ is not offering Kaiser anymore, so my coverage will end May 31 and I will have to choose another insurance, probably United. I wanted to get a tubal ligation, and at Kaiser the total cost would just be $10 (after a 20-dollar copay to see my PCP first that is). In any case, very cheap.

Can anyone tell me if they've had a tubal ligation through United what the cost was? Was it even covered? I guess I could wait until we get our new insurance info, but I'm thinking I might want to hurry and get one thru Kaiser now if United it too expensive. I was kind of hoping to wait a little longer though, just recovering from an illness......

Thanks in Advance!

UHC - it will depend on

[ In Reply To ..]
the exact details of the UHC plans that are offered through MQ, whether it be the PPO version or some other type of UHC coverage. It can really vary.

I have UHC through another company. We have the Choice Plus Plan (basically a PPO) My deductible is $500, and then I am responsible for 10% coinsurance based on the "reasonable and customary" charges for the rest of the hospital/surgeon/anesthesiologist fees, etc. up to a maximum of $3000 out of pocket. No one has been able to tell me what the "reasonable and customary" charges for a tubal would be, so I'm hesitant to go forward with it since there are so many unknowns.

I am looking into the Essure procedure which can be done in an OB/GYN's office if they are certified and have an outpatient surgical suite. In this case, I would avoid all the hospital charges and the overnight stay. It would literally cost me the $20 copay.

Thank you so much for your reply. That really helps me out.... - Kiki

[ In Reply To ..]
I have heard of the Essure procedure. I think I may look into that, too.

But if not, I think it would be a good idea to go ahead and get that tubal ligation done before May 31. Looks like I could pay several hundred dollars or more if I wait.

Why did I just KNOW this "change" of MQ not offering Kaiser anymore would be for the worst. When does MQ offer changes for the better for us anyway.

Thank you so much again!

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