I have been a registered member of this site for quite some time but never introduced myself. I am more of the sit in the back, quiet, out of site, out of mind kind of girl. I used to not be when I was thinner.

Anyway, I am at my wits end with trying to find the funds to get WLS. My insurance doesn't cover any form of WLS and it's not in the budget for me to finance it. I want the Lapband, I've seen thousands of people who have been successful in WLS and I think the Lapband is best for me.

I am 42 years old, live in KC, MO. I have one son that I've raised on my own, he's now 21.

I have been a registered member of this site for quite some time but never introduced myself. I am more of the sit in the back, quiet, out of site, out of mind kind of girl. I used to not be when I was thinner.

Anyway, I am at my wits end with trying to find the funds to get WLS. My insurance doesn't cover any form of WLS and it's not in the budget for me to finance it. I want the Lapband, I've seen thousands of people who have been successful in WLS and I think the Lapband is best for me.

I am 42 years old, live in KC, MO. I have one son that I've raised on my own, he's now 21.

There are "hidden" ways to gather funds together. Do you own a house? Depending on your circumstances, refinancing can turn up equity you could use, if the numbers make sense. Same with using certain credit cards, rewriting car loans, or even borrowing against a 401K. Some people have "cafeteria" insurance plans at their work where they can pay it forward to get money for surgery. Look around you - do you have anything sitting around you could sell? Old jewelry? Antiques? Collectibles? An extra insurance policy you could cash in, or borrow against? Family members you can borrow from? Take on a second job to earn the money? If you want the surgery badly enough, there are ways to scrape together funds to make it work. One, some, or all the above may help you come up with the funds.

Just a few thoughts. Good luck!

Dave

I can't imagine how frustrating it must be not to have your insurance cover the surgey! I don't know how legit it is but there are lots of ads on this website about a surg. for around $4,000! That would be a deal seeing my surgery was $15,000! It's good that you have been thinking about having this for a while and now have decided that you think it's for you! I hope you are able to get it done sooner rather than later, it is the best thing I have ever done!!

Someone posted here recently about getting the band through his hospitals charity program.

Not sure if anyone in your area offers that but it is definitely worth looking in to.

There are "hidden" ways to gather funds together. Do you own a house? Depending on your circumstances, refinancing can turn up equity you could use, if the numbers make sense. Same with using certain credit cards, rewriting car loans, or even borrowing against a 401K. Some people have "cafeteria" insurance plans at their work where they can pay it forward to get money for surgery. Look around you - do you have anything sitting around you could sell? Old jewelry? Antiques? Collectibles? An extra insurance policy you could cash in, or borrow against? Family members you can borrow from? Take on a second job to earn the money? If you want the surgery badly enough, there are ways to scrape together funds to make it work. One, some, or all the above may help you come up with the funds.

Just a few thoughts. Good luck!

Dave

Thanks Dave, you're right, all those are ways but due to my divorce, I was left with nothing except bad credit. I am looking for a second job and have applied to several places in hopes they will work around my full time job. I plan on getting my credit fixed but not sure if once it's fixed I could get a loan for something like this. I will keep working for it, I want it more than anything. And will get it in time.

Someone posted here recently about getting the band through his hospitals charity program.

Not sure if anyone in your area offers that but it is definitely worth looking in to.

Thanks for the info, I will check it out. I was one of 5 to win a Lapband surgery with a local radio station and bariatric doctor but it didn't happen. 600 applied so I did pretty good to get down to one of five. lol