Krystyneh

yeah see that's what I thought...it doesn't make sense at all but that's what she said. I just don't understand it.

She's with the surgeon's office and it doesn't make sense to me either...it's sooo messed up so guess what...it looks like I'll be doing a payment arrangement. Gastric Bypass is only $26,000 total and my parents joked that I should just go for that lol I want lap band tho

Okay so the woman did call me back today and she said that the $11,000 IS AFTER my insurance pays their 80% but what I don't understand is one of my friend's sister is going for gastric bypass and her surgery is $26,000 TOTAL WTF it doesn't make sense to me at all

Oh well my deductible is $100 and I dont have a maximum out of pocket

Well I'd be saving to pay my part but my question is due they bill they insurance before or after? She said she would bill my insurance and after they pay their 80% that I'd have to pay the rest of the bill unless I have another insurance also. I'm praying they bill afterwards because then I'd set up a payment plan.

Well my $250 program fee covers 100% complete access to remedyehr.com or something like that for a website plus being able to contact their nutritionists through their personal phone lines. I'm not 100% positive with everything. I live in Vermont and my insurance is Wellmark BCBS of Iowa but its a PPO insurance and I'm going to Dartmouth Hitchcock Medical Center in Hanover NH. They've never worked with this insurance before but they take BCBS and they cover 80% of it but dont hospitals do the surgery then bill the insurance? Because the woman I talked to said that she would bill the insurance then I'd get the remaining balance on my bill. I always thought that they can't bill the insurance company until after surgery just incase they have to do something extra or am I wrong? Do they bill before or after surgery?

Well where I'm going I heard that everything has to be paid upfront but I thought that was just if u self paid but idk lol I guess I'll figure this whole process out sooner or later

Thanks I hope I dont have to pay too much because I already just paid $250 for the program fee

Oh okay cool then that doesn't sound so bad lol I was freaking out about $11,000 and I only have to pay 20%

My deductible is $100 a year but out of pocket doesn't have a maximum there. I'm just hoping I don't have to pay more then $3,000 for the remaining balance but I should find out Monday by the woman. I just want to figure it out before I even get a surgery date lol

Well I was told that they do cover it but only 80% so now I'm trying to figure out how to pay for the rest of it

Okay so if I understand what the woman told me is that my insurance, if they approve me for lap band surgery, will pay 80% of the surgery and then I'll be left having to pay $11,000. Now I'm waiting on a settlement from the lawyer so that should be about $12,000 but I really don't want to have to pay that much. What are other options? I'm also not sure if $11,000 is what I'd be left paying or if she meant that they will pay 80% of $11,000. I'm waiting for the woman to call me back to tell me exactly because if all I'm left owing is $2,200 then okay that's a little easier to deal with. What are other options for me though? I know a lot of people say Care Credit but I already have a credit card through them and I still haven't been able to pay off $1,000 in the last year and now I'm up to owing them $2,250 because of how high the APR% is GRRR. I'm getting so frustrated because I finally am in the process of doing everything. I could have told my husband not to insure our daughter and I under his insurance and kept my state insurance where they would have paid 100% of the surgery but I don't feel right to do that to the state. Someone else in the state of Vermont needs state insurance more then I do. I guess I'm just going to have to start saving up and if I have to wait until next year to get surgery then that's what I'm going to have to do. GRRR why does it have to be sooo frustrating. But seriously is there any other choices? I know that my surgery has to be paid IN FULL by the day that I have surgery.

Okay so my husband is an over the road truck driver and I'm covered under his insurance now. I had state of Vermont health insurance but now I have WellMark Blue Cross Blue Shield of Iowa I'm guessing because that's where it says that they are out of. Does anyone live in a different state then where their insurance is out of and did it cover the lap band surgery? I started this whole process while I had state health insurance. When I called they said that they do cover bariatric surgery but I'm guessing that they don't understand that I live in Vermont and I'm having it done in New Hampshire. Now on my insurance card it doesn't say a state or anything all it says is Blue Cross Blue Shield Alliance Select and on the bottom it says PPO. I'm just so confused and I'm impatiently waiting for the woman that deals with the insurance at the hospital to call me back to let me know if there's any other requirements and what's going on about it. I talked to her 1 1/2 hours ago but I'm still not sure what's going on and I get impatient very easily lol. Anyone else have to deal with something like this?

I gained all my weight at age 12 when my PCOS kicked in. My hormones changed and I just started gaining weight even though I wasn't changing my eating habits. After I went from 110 pounds to 289 in 1 1/2 years (extremely fast due to PCOS) I started telling myself that since I was fat then I should just start eating like a fat person. I ended up getting depressed and I became a secretive eater. At school I would go into the bathroom to eat because I would constantly hear people mooing at me. I dealt with all of this until I went to college straight out of high school. Instead of gaining the Freshman 15 I lost the Freshman 15 plus 20 extra pounds. I ended up meeting my husband (he likes heavy girls) and I ended up getting pregnant at age 19 and I had my daughter at age 20. I went from 275 down to 240 while pregnant due to gall stones, kidney stones and hyperparathyroidism. I ended up gaining the weight back plus some. November 2010 I weighed in at 315 pounds and that's when I started going to Curves to start losing weight. I did end up getting down to 272 pounds but I ended up gaining it back because I got stressed out. October 2011 I decided that I needed to get my butt in gear and start losing weight to help my PCOS. My husband and I ended up having 2 miscarriages last year. I'm hoping to have surgery either next month or in June. I gained my weight due to my PCOS but I kept it on due to my eating. I'm an emotional eater, secretive eater and I eat because I love food all together.

My family is my biggest support group. My mother-in-law had lap band surgery done 3 years ago I was upfront with my family about me deciding to go for lap band surgery. My parents were happy because they have known for the last 6 years since I was 19 that I thought about it almost every day. My in-laws were also happy. One of my brother's was happy about it because he knows my struggles and the other one is happy but also mad. He's 350 pounds and he knows the struggle of trying to lose weight. He kept saying "oh you can end up gaining it back" and blah blah blah lol He's seen a lot of people that went through GASTRIC BYPASS gain their weight back but he only knows two people that have gone with lap band and that's my mother-in-law and her friend. They haven't hit their goal weight but they are still losing which is all that matters. I heard a rumor that my brother is jealous that I'm finally doing what I want to lose weight. I'm 25 and he's 33. A few of my friends were very supportive from the beginning then I have one that keeps telling me that if I put my mind to it that I can lose it on my own which if it was that easy then I would have lost my weight years ago lol. I have another one that was mad because she wishes she could go through with it but she cares more about what her family thinks then what she herself thinks. She's also mad because my husband and I have been trying to have another baby for the last 3 years and I had 2 miscarriages last year. She's now pregnant and throws it in my face but I'm trying to get my life back and be healthier for my daughter and step-daughter and so that I don't have to go on fertility drugs to get pregnant. You will always have people that will support you and others that will be mad or upset. What you need to think about is yourself. You need to get healthier and if lap band surgery is really what you want then don't let other peoples' opinions effect you decision

Thank you for asking this question I was wondering the same for when I go for surgery but was too afraid to ask...good luck on your surgery

Things in life will always get in the way and if you end up going back to old habits, one great thing to remember is you an always get back on course And you will always have the band to help you unless you were to get it removed. Good Luck and I know you can do it

I felt the same way back in November when I started my 6 months but 4/21 is my last visit with my nutritionist like someone told me on here, the 6 months go by faster then what u think it will lol even my nutritionist can't believe that this is my last visit in 9 months I've lost 48 pounds but in the 6 months seeing the nutritionist I've only lost 17 of the 48 pounds lol. U can definitely do it and just focus on the changes u need to make which is what I did. Plus doing the food journal every day helped also good luck

I'm not banded yet but I just finished my 6 month diet supervision. Last month my husband became an over the road truck driver and I gained back 12 pounds of the 48 pounds I lost within 6 months and I was sooo mad but it WAS my fault because I was more worried about if he had everything he needed and taking care of our daughter PLUS still maintaining my grades in nursing school. Well within 2 weeks after realizing what I did to myself I re-lost those 12 pounds plus 5 more pounds on top of it. I just went back to my old habits. My doctor always told me that whether I'm banded or not that any weight gain is my fault. No one forced food into my mouth or forced me to eat something bad. Just restart everything and work with ur doctor to lose the weight again u can do it especially if you've already done it once good luck

Jess55 - that makes me feel sooo much better lol I was so nervous. Which it I've already done the stuff then I figure that I shouldn't have to do it again ESPECIALLY since someone else paid for it and my new insurance wouldn't have to pay for all the testing again. I'm pushing to have surgery before July 1st so that way I don't have to deal with worrying about my new insurance

Yeah 4/21 is my last visit with my nutritionist. It's been supervised and I see him once a month and he documents everything. I don't have to worry about fills and maintenance afterwards because the place I'm going has a $250 Bariatric program fee and that pays for all the fills and unfills for as long as u have the band. I'm praying I get it before July 1st

U sound exactly like me. I gained my weight at age 12 due to PCOS then I got depressed so I became an emotional eater. I just turned 25 on April 1st and I have asthma plus my knees are bad and I hurt my back at a previous job so that hurts even more with all this excess weight. I'm hoping to get banded within the next few months. My husband and I want more children but with PCOS and obesity its hard to get pregnant without being on fertility drugs. I know 23 people that have gotten lap band and it's worked. My mother in law suffered from extreme asthma that kept her inside all the time and she got banded almost 3 years ago and now she is outside everyday and even goes dancing good luck

Well I looked and it said that for pre-qualifications u need a BMI of 40.0 which mine is 43.1 and need to have been overweight for at least the last 5 year which I've been overweight since age 12. I have been seeing a nutritionist for the last 6 months which is what my current insurance wanted me to do. I've done all the test and exams that my current insurance has asked for. I'm just nervous that they will make me wait which one big reason behind my decision for weight loss surgery is to help me lose weight so my PCOS gets better and I can get pregnant more easily. I'm 107 pounds away from goal weight of 160 pounds.

Hi everyone!!! So on 4/21 is my last nutritionist appointment and on 4/27 I have my first of 2 psychological evaluations. Now I have a question about insurance. Right now I'm currently on Vermont state health insurance and I already know that it covers lap band surgery. Now my husband just started a new job as an over the road truck driver last month. On July 1st I am covered under his insurance which I believe is Blue Cross Blue Shield. Does anyone know if I would have to redo EVERYTHING in order for them to cover my surgery? I hope not. I'm hoping to have my surgery before my insurance switches but I don't know how fast everything will go. Thanks

I'm also new and hoping to get banded the same time you are. I was upfront with my friends about my decision. Some accepted it and others don't like the fact that I'm having surgery to lose weight. I turn 25 on April 1st and I've been debating on going for surgery since age 18. Just be honest with your friends. Your true friends with stand behind you and support you throughout your weight loss journey. Good Luck