Question: What will my maximum Out of Pocket expense be for a knee replacement surgery? I am 64 years old. I have Covered CA Blue Shield Silver Level health insurance. My deductible is $5,000.00 I look forward to your answer. thank you.
Answer: You can figure about $6,400, which is the maximum-out-of-pocket expense. Once you have paid out $6,400, your covered medical expenses are 100% paid by the plan. One thing to watch out for is extra charges for durable medical devices. In the case of a knee replacement, you are advised to go home with a device that flexes the repaired knee automatically. Make sure that the device you choose is covered by your plan.