Stevee

ok i have a question for you all... since my employer exludes weight loss surgery i'm checking on getting added to my partners insurance. she has Aetna. I was looking online today at the covered benefits and exclusions and limitations and this is what i found under exclusions and limitations... "Surgical operations, procedures, or treatment of obesity, except when specifically approved by HMO." what does this mean?!?!? i'm hoping this is a good thing! crossing my fingers!

i just cannot finance it. i wont be able to make the payments.. i just can't do it

i recently got divorced and was stuck with all the bills that he and i had together. therefore all of my income and my now g/f's income is going to bills and bills only. there is no extra. the reason my mother is so upset is because they can't help me. my mom was fired, for no reason, from her job in february and has yet to find a new job. i have a very low income family there is no wealth in my family at all. i know there is somone out there that would finance me to get this done however i dont thing that getting a loan that i know i can not afford is wise. ya know?

i talk to HR and she said its exluded in our policy and there is nothing we can do to change it. period. i said THANKS!

im actually looking for a new job. i've got apps out there.. when she called and told me it was covered yesterday i prepared myself to stay here. i hate this place but was willing to do it just to get this surgery. but now the hunt is on..but still. say i get a new job... and their insurance doesn't cover. i can't keep changing jobs ya know??

thank you. i will keep everyone informed. things aren't looking very positive.

thank you. i appreciate it. i just dont get it. why would an employer say hey dont cover anyone that wants weight loss surgery. hello my bmi is a 46!!!! its medically necessary. thats just wrong in my eyes!

United Healthcare

it looks as if its an exclusion by the employer!

so my doctor called me yesterday and said i am covered my insurance i just have to provide 6 month diet history and 5 yr weight history. so i have all of that i've been calling the doctors office for 2 days now they FINALLY called me back a lil bit ago and said "i've called the insurance 3 times and they say its not covered i dont know who called the first time and found out it was covered and put this in your file but you were mis informed you aren't covered." then got off the phone me... to leave me balling my eyes out uncontrollably. how can they do this to a person and have no remorse! they had me so excited and now have crushed me!!! my mother is pissed off! so she called the doctor and they said they can't help what the insurance company says and my mom said you can help what you say. and they said well we'll send her paperwork on how she can pay for it herself. my mom said don't bother she can not afford it! i am so hurt.. i dont know what to do. i feel like my heart has been ripped out of my chest!!!! please someone talk to me.:help:

thanks! i went ahead and did it! so.... cross your fingers

i say we gotta do what we gotta do to make our dreams happen! hehehe sounds good eh?

i have UHC as well... and when i called and asked if i would be covered they told me no that it was an exclusion in my policy thru my employer. well i found out today from the drs office that i am approved. i just have to provide 6 months diet history and 5 yr weight history. so stay on them! or have the doctors office call.

oh my i can't wait to have no more back fat! i hate when your bra rolls up in the rolls!!!! my 2 dreams of the aftermath of weight loss 1. bra not rolling up in back fat 2. thighs not rubbin together! lol!!! i know you ladies feel me!

i can provide 6 months diet history and 5 yr weight history from my doc. i got the 5 yr weight history from my doctor... but... i have a question. i was told that weight watchers counts as history... so i have 4 months of it. all my weigh ins are hand written in..... ummm what are ya'lls thoughts on just completing the weigh ins myself??? my aunt told me to do it! she had to tell "white lies" to get approved so she said go for it! i need some more opinons!!!! <!-- / message -->

i can provide 6 months diet history and 5 yr weight history from my doc. i got the 5 yr weight history from my doctor... but... i have a question. i was told that weight watchers counts as history... so i have 4 months of it. all my weigh ins are hand written in..... ummm what are ya'lls thoughts on just completing the weigh ins myself??? my aunt told me to do it! she had to tell "white lies" to get approved so she said go for it! i need some more opinons!!!!

thats the same insurance i have. i sent you a private message... i'd like to chat with ya since we got stuff in common.

are you a self pay or did you get insurance approval?

thats my insurance.... anyone have any luck w/ getting them to approve?

just looking for others going thru what i'm going thru here in oklahoma??!?!?

i'm just in the beginning stages... waiting for approval from insurance :success1: cross your fingers! i'm so scared of not getting approved!:cry

ok so ... ummmmmmm i emailed HR this morning. all i said was that i was inquiring about WLS and that its excluded. i asked her if maybe there was a way that i could pay more for insurance to have it not excluded etc, just kinda told her i'm exploring my options. so lets see what she says! i'm so ready to fight this! woo hoo! i'm gung ho about this for real! i have 2 months til march! and i wanna try my hardest to get banded in march! thank you so much for your advice! ya'll are amazing!

ok so i emailed the Dr's office that i'm considering for my surgery and told them about what the insurance said. and she emailed me back and said "If the insurance says it is an exclusion, then they will not pay. The only thing you may be able to do is talk to your human resources department and see if they can change the policy to allow the surgery to be covered. Your employer chooses what is covered and what is not. They may not know that this is an exclusion." ok so here is my dilemma. i just started working here nov 27th, my benefits won't start til Mar 3rd. if i go talk to them now they are gonna look at me crazy you know? like "really shes been here a month and already trying to change things" so... in ya'lls opinion should i wait til Mar and talk to them. this sucks so bad! all i could do was cry last night. i just dont understand why companys exclude weight loss surgery when everyday it is saving lives. they say obesity is such a big problem in the US and now there are ways to stop it but they aren't allowing it! grrrrrrr! i guess they'd just rather pay for our blood pressure meds or cholesterol meds or diabetes meds! sh*t or even our funerals! grrrrrrrr i get so mad at this issue! this sounds like something oprah or dr phil should address!!! don't yall think!?

i've thought about the option of financing it...but i can only imagine what the payment would look like ya know. i'm so scared that i'm not gonna get to do this

hey everyone, i'm Stevee. 25 year old female in oklahoma. i am wanting to get the lap band done. i am 5'3 255 lbs BMI 45.5. I do not have insurance yet but i will march 1st, i called united healthcare to see what our coverage is on weight loss surgery and was told "all weight loss options including surgical and non surgical are excluded from coverage." great! wonderful! in an instant all of my dreams were crushed! what are my options now guys? i'm at a loss. i dont know what to do i dont know what to say i just want to cry. please someone gimme some advice or something.