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Anyone have any suggestions on how to finance self pay? I don't have the best credit and can't borrow from friends or family.

Just found out I was denined again I guess I will try obesitylaw.com....if not, I guess I will be saving all my pennies for the next 3 years and do it on my own.

I am awaiting my approval (fingers crossed) with Atena. They turned me down the first time becuase I had no co-morbities. I finished the 3 month diet/excercise program with my doctor on Monday and they are resubmitting the request. Has anyone had an approval the 2nd time around with Aetna? My BMI is 35, so I'm worried about that as well.

The 3 month diet plan wasn't too bad. I can't say I stuck with it 100 %, but i did try. I lost about 11 lbs, not great, but that is the reason I want the lap band cause I am not great on doing it on my own.

I'm in the same boat. I too have Aetna and a starting BMI of 35. I have done the sleep study. I had a mild case, not "bad" enough for a cpap machine, but I still had several "episodes" during my sleep study. I have just finished the 3 month diet/excercise/nutrition program and am currently waiting to hear from Aetna. i have no other co - morbidities other than asthma, joint problems and back problems.

Congrats on your approval...i too have low bmi and I'm waiting for approval. Just curious what type of insurance you had and if you had any co-morbities.

Sweeeeet! If i am denied this time I will definatly give them a try. Thanks so much for your advice!

Congrats! That makes me pretty hopeful. Did you also have co-morb's? Just curious. Good luck with your surgery!!!

I had not gone thru the diet process yet when they turned me down the first time. I took a sleep apnea test and they said I was borderline, but not "bad" enough to qualify. I only lost 12 lbs on the 3 month diet process. Mainly becuase I suck at going at it on my own! lol hence why I want the band My starting BMI was 35, it is down to 34 now. I'm hoping for the best, but preparing for the worst!

I am at a BMI of 35. I have no co-morbidties as defined by the insurance company (high bloodpressure, sleep apnea or diabites) I do have asthma, joint problems, ovairan cysts...which the doc says are all related to my weight. I was denied by my insurance (Aetna HDHP) last week. I am just now starting the 3 month doctor supervised diet. I was wondering if anyone has had any luck getting approved by the insurance copmanies without a comorbitiy? or without a cormorbity after they have completed the supervised diet?

just curious your bmi.... I have a bmi of 35 - no other problems (ie- sleep apnea or diabites or high blood pressure) and i was denied...i havne't done the 3 months yet, but they are going to resubmit after the 3 month diet program. I was just curiuos if you also had a lower than the required 40 bmi.

I am in the middle of the process of getting my insurance approved. I got my first denial last week I have about 85 lbs to lose and my BMI is 35. I was tested for sleep apnea but did not have a "bad enough" case in order to get it to apply. My doc said that once I'm in his care for 3 months under weight loss supervision they will resubmit my claim. Has anyone else had any success after a denial? I have Atena insurance on the HDHP plan. I'd love to know if it has worked out for anyone.