fatiniowa

Too funny!!! I'm single, so I can toot at home as much as I like. Sometimes though when I can feel one coming, I have this fear that I won't make it out of hearing/ smell range quick enough. Then, god forbid it just sneaks up on ya. This actually happened to me when I was in a guy's cube at work. I was doomed. I was sitting down and he was showing me some stuff on his computer. I knew if I stood up, I wouldn't make it out of the cube, so I was hoping my butt would keep the smell in the chair--- yeah, that didn't work. He didn't say anything, but I know he noticed. I was quite embarrassed but pretended like nothing happened. Those poor office chairs..... I tell ya.... sure makes a person think twice about getting a used office chair for one's personal use... LOL

The divorce rate for bariatric patients is higher than the norm and there is a distinct possibility that one partner losing a very significant amount of weight can have a devastating effect on a relationship! Evaluating the strength of our personal relationships is one of the reasons we have to undergo a psych eval.

The easist way to break it down is you can think of surgeries like this has having three phases.
1) Deductible phase - this is where you are responsible for 100% of the allowed amount charges approved by the insurance company.
2) Co-insurance phase - this is where the insurance company helps to foot some of the bill in your case 80% of it. Most insurance companies have a co-insurance cap and after that's met...
3) Out-of-Pocket Max Phase - this is where you have satisifyed your out of pocket maximum which consists of your deductible cap and your co-insurance cap combined. Once this is achieved your insurance will begin to process at 100% of the allowed amount for the remainder of your benefit year.
So what you'll want to do is when you speak to your insurance company make sure they clarify co-insurance maximum vs. their out of pocket maximum (even insurance carriers often get this confused in their verbage when quoting benefits).
Here's a basic scenario to explain. Let's say you go and have a surgery and all your bills combined comes out to $22,000.00
You're benefits for insurance include a $2000.00 deductible, a co-insurance of 80/20% with a co-insurance maximum of $2000.00 - that means your out of pocket maximum would be $4000.00.
So 22,000.00 minus the $2000.00 deductible leaves us with $20,000.00
20% (your responsibility of the co-insurance) leaves you oweing $4,000.00 of the $20,000.00 - BUT because we have a $2,000.00 co-insurance maximum you only pay that $2,000.00 and the insurance picks up the other $2,000.00 that would of been part of your 20%.
So your out-of-pocket maximum has been met totalling $4,000.00 of the $22,000.00 bill - even if that bill was 40,000.00 you'd still only pay the $4,000.00 for in-network services rendered.
Sorry for the long explination - it just really helps I think to understand how it all works at the insurance company (they definatly don't make it easy to understand up front lol). I know I wouldn't understand it if it wasn't for my loving, awesome, supportive husband who's super cool.

In case anyone was wondering I got clearance from the psyc eval. They are sending it to doc and insurance comapany. I wish things moved faster. I'm getting antsy.

In case anyone was wondering I got clearance from the psyc eval. They are sending it to doc and insurance comapany. I wish things moved faster. I'm getting antsy.

If you needed like 5 pounds I d say go for it, since you need 16 pounds no way, sorta defeating the purpose. I hear you can get it done in Mexico for 6,000 USD plus about 2,000 USD for airfare. I am guessing that is 25 to 50% less than what your self pay would be and you wuoldn't need to gain weight first.