I got denied

[ReneBean 3]

Yeah. ESPECIALLY if they have indicated that they WOULD cover the RNY surgery. If they will do that, then they SHOULD do the Band. I swear I think the insurance companies deny EVERYONE the first time, just to weed out the people who aren't really committed to the idea.

I would get a doc that you feel positive about and start over. The tests can probably be copied to him/her and then you can have the new doc submit again. BE SURE they use the new Lap Band CPT Code. It is posted in the Insurance forum.

Good Luck!!

[Tropicana 0]

Trop, you say self-pay isnt an option. Most of us who were self-pay didnt have the cash readily available. I took out a loan for $15,000. I'd been wanting a new car (my current auto is 10 years old) but realized that getting healthy is the best investment I can make.

There are finance companies catering to health/beauty surgery. Monthly payments depend on how long a payback period you select. And you can qualify even if your credit isnt great; your interest rate will be higher but the surgery is worth every penny.

I'm a grad student. I live solely off of financial aid. I have no assets and getting a job, even part time, isn't an option right now. I could get more financial aid money but I'm already $60K in the hole. No need to add to it. If i can't get insurance to cover it, I will have to lose weight the traditional way.