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Insurance Won't Pay!

Well boo-hoo, just found out my insurance won't pay! What a disappointment.; Now to figure out if I really want to shell out $10,000 for the surgery. I know my health is more important than $, but that's a big chunk of change to let go of even if you have it! :/ Lots of soul searching to be done this weekend!

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  • flab u less
    flab u less

    I am self pay and have borrowed and got a loan to get this. I have said this before and think that if my car went dead and was unfixable I would have to get a new car right? So u r worth it for ur bod

  • Joyce Real
    Joyce Real

    Same deal here, my company does not have that as an option in their insurance, but in the long run, self pay was much easier, without having to jump through the insurance companies hoops. I just paid

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I am in middle Ga and was just denied by my ins for the 3rd time. This means I can't appeal again. :( My Dr.'s office says they don't have a hernia repair/lap combo that would lower the costs. Does anyone out there know of anything else that could help? I was denied because my BMI went to 33 in 2009. So, according to BCBS, I haven't been consistantly fat enough. I can't handle it!!!!!

A couple of links are below. The first is for grievances against insurance denials in Georgia. However, if BCBS requires a 5 year history of morbid obesity (or a BMI over 35) you might not have a case. You might also go over to www.obesitylaw.com they are an advocacy group that help to fight insurance companies. See what they have to say.

http://www.online-health-insurance.com/coverage-by-region/GA/resources/page-25.php

http://guides.wsj.com/health/health-costs/how-to-appeal-a-health-insurance-denial/

  • 2 weeks later...

Not sure I can. The girl at True Results said there is an exclusion by the employer for no Lap Band Surgery.

I think I'm probably in the same boat. My company has an exclusion policy for weight loss surgery too. I'm going to True Results in Richardson and I have a consultation tomorrow morning. Amanda from True Results called me yesterday and said that my insurance wouldn't pay HOWEVER if they find an underlying problem, blah, blah, blah. So maybe if they find I have a hernia or something, we can get around that. Will know more tomorrow. I'm so determined to do this though. If I have to take the money out of my 401k, I will. I'm 61 and have been dieting since I was 12, so this is it.

Do you have a surgery date yet? Good luck to you!

Had my consultation this morning. When the PA examined me, he said he thought from the looks of my stomach that I probably have a hernia. I hope so - in which case I'll only have to pay $5500. My insurance has an exclusion against weight loss surgery. I'm trying to get my endoscopy scheduled for 4/30 and that will tell for sure.

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