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Jersrose43

Gastric Sleeve Patients
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Everything posted by Jersrose43

  1. I'm in ruthetford
  2. Sorry to hear that. You will get better. Can they give you anti nausea meds? Might help. They dissolve in your mouth
  3. It's now 10%. Thank you obama
  4. Are you insulin dependant? If so then I think bypass may be the way to go
  5. If you have dissolving stitches it will eventually dissolve. Eventually Just trim it so it doesn't bother you
  6. Used to work for a podiatrist many many moons ago. The only cure is good shoes and arch support Orthotics in your shoes may help but o ly those that are made by a podiatrist
  7. Glad to hear you are on the mend
  8. Just remember that the charge and eventual contractual write off results in tax implication. There's a reason for this stupidity. Feel sorry for the uninsured or those whose insurance doesn't have a good contract
  9. This was her first and only post. Not sure what's up
  10. And this year will pay just short of 2500 In premiums
  11. And that's why you go to a contracted provider. You can "overcharge" all you like but are only responsible for contractual allowances. I have a &4500 deductible and additional $4500 out of pocket. And I work at my insurance company. Smile. We don't get it for free
  12. I think you missed the nuance dear. She didn't pay that. You're quotes are cash prices The CHARGES are extensively higher. I am in north jersey and hospital was $41,000. Insurance paid $17 Surgeon was $21,000. Insurance paid $5 and change Anesthesia was $3800 and insurance paid in full. It is not outrageous to expect a bill to be $100 k or more here. Mine was overnight but still outpatient so 23 hours. If I had been inpatient then extensively higher
  13. So you better call your carrier and talk to someone who understand your benefit clearly. I work in insurance and the way you have stated it is You have a maximum benefit of &10,000 You saw an in network doc and hospital. Your benefit is $10,000 That means if the contracted rate is $14,00 for hospital and $5,000 for the doc Hospital will get $10,000 and you pay the difference You will pay the surgeon in full A maximum benefit is just that a max payable amount. The hospital and surgeon are not required to write it off if your max benefit doesn't reach the contractual limit. You have a really shitty plan. Sorry
  14. Sweetheart I don't know where you live but it's clearly not a major metropolitan city like la, nyc etc. Because you would keel over from a heart attack if you saw the charges around here. I am in north jersey Nyc is notorious for large charges It costs money to get sick
  15. I'm with superdave. We both got really comfortable after marriage. We got married and moved 700 miles away. Then we ate out a lot. Within first year I went from a size 12 to a size 16. Then stayed comfortable for 5 years eating whatever I wanted and he put on 50 more pounds. Then I got pregnant and blew up 60 pounds during pregnancy Never lost that and only got bigger. With my second I didn't gain an ounce during pregnancy. But the. Evry year I dieted - lost weight and regained. Every time with a 10 pound added to base. So at 240 and a 16 yo -and 12 yo. I did it. Now at 173
  16. For hospital medicare should be the $1111-1600 deductible and then all the docs and anesthesia should be 20%. It will be different depending on what state you live in. Geographically medicare allows different amounts
  17. North jersey Hospital was $42,000 for outpatient. I was 1 night overnight but it's a 23 hour stay technically. They were paid $23k or so. My out of pocket is $3200 Surgeon charged $21,000, out of pocket met by hospital so I don't owe him anything. They paid him $5k for sleeve and $1200 for my hernia. Anesthesia was $3500 and they originally paid $1350 and they refused to accept since out of network. They ended up getting payment in full at $3500 and I owe them $250. It will be a long time before they get it since they threatened to sue me if insurane didn't pay in full.
  18. Since you are getting off your parents plan, please go now to your states insurance exchange and see what offerings are available. Those will be the same throughout 2015 and you can begin preparing for what you will have when you lose your parents coverage. Also find out if your parents coverage will offer you cobra or continuation of care. You will be required to pay 100% premium costs but may apply. This would allow you to keep your current coverage at least through the surgical period
  19. As an insurance professional You need to check couple things with new carrier 1- do they cover wls? If not they can deny all future care as related to a non covered service. that means complications, follow ups and re surgeries etc 2- they cover wls great - now what happens if I need a revision - do you cover 1 per lifetime and since I already had my 1 paid for by someone else - you won't pay ever again? 3- you cover wls, you're great no issues in future will cause me problems - but my surgeon is not in your network and I need to see him 4-5 times for first year. Sooooo what is your transitional care program look like and how do I apply. Transition care is a limited time plan where your surgeon will be paid as in network - your surgeon must also agree - and you won't get denied for out of network or have high out of pocket.
  20. 5'5 240 at start, 44 and 2 kids At 175 now I have a "shelf" of fat hanging over my pannis, some loose skin on my upper thighs but nothing significant The arms are pretty loose but haven't been very good about upper arm excercises Mostly the remaining fat and loose skin is in my belly. I need to start doing some care excercise My surgery was on June 24
  21. Who is your insurance?
  22. Who is the insurance ? What were their reasons for denial? They should have sent you a letter detailing it. You insurance coordinator sounds like a flake. The next logical step is appeal or peer to peer review of the insurance allows for that If you are at a 39 bmi I would call your insurance and get their requirements directly from them.

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