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Insurance doesn't cover - Disapointed. Any other options?

italianmama82

By italianmama82, in Insurance & Financing

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italianmama82    2

italianmama82
Posted

I have my consultation appointment tomorrow - however, before going I thought I'd do some reasrch to find out if my insurance covers WLS. I spoke to my HR personel location in another state, she said it's excluded from our insurance & our plan does not cover ANY WLS....ugh *sigh*.....I guess I will still go to the consultation appointment tomorrow, but I just feel so down & upset now. I really had my hopes up. They told me over the phone another option would be care credit. But unfortunately my husband and I have enough debt & credit out that we wouldn't be able to get a loan for that amount. Does anyone have any other ides, or feedback that could help me in getting the surgery I want/need?!

Thanks,

Heather

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heather316    72

heather316
Posted

Is there a way to switch health insurance? Even if it is for one year? With the Obama care coming up you should be able to go out and shop for new health insurance at more affordable cost at the insurance exchanges.

I know that this is not an immediate help, but it is doable, I think.

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Shelleymb    75

Shelleymb
Posted

Same thing happened to me. I had to change insurance. I would talk to your hr and see what your options are.

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ladyjordan    105

ladyjordan
Posted

are you able to do self pay?

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heather316    72

heather316
Posted

Also, with the self pay, if there is any complication you will have to cover that, too...

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brendabod    0

brendabod
Posted

If the change of insurance isn't an option you could try United Medical Credit http://www.unitedmedicalcredit.com/. I fought my insurance for 6 months before I gave up and went with self pay. United were helpful and approved us within 24 hrs. I was lucky enough to get some extra hrs at work to pay for it so it's onward and upward! Good luck to you and don't give up on your insurance yet. :unsure:

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ReMom13    3

ReMom13
Posted

If the change of insurance isn't an option you could try United Medical Credit http://www.unitedmedicalcredit.com/. I fought my insurance for 6 months before I gave up and went with self pay. United were helpful and approved us within 24 hrs. I was lucky enough to get some extra hrs at work to pay for it so it's onward and upward! Good luck to you and don't give up on your insurance yet. :unsure:

I'm thinking of using this company, but got confused because it says "your provider will choose the terms/interest rate" etc...So do they pay your doctor and then you pay back, or do you have to pre-pay before surgery?

Thanks!

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dharriott    37

dharriott
Posted

I was reading a post from another person whose insurance didn't cover wls and she dropped her policy at work and got an individual policy thru Blue Cross Blue Shield and as there is no longer a pre existing clause with them, she was approved within a month. Just an FYI.

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jamilyne 102668    1,207

jamilyne 102668
Posted

I was self pay and I shopped around and was able to get financed - I felt like it was a necessity because I was morbidly obese and I was beginning to have health problems. Don't give up - shop around - if you have to change health insurances do that or shop around for the surgery and payment plans. I wish you the best!

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JACKIEO85    308

JACKIEO85
Posted

My only advise is to CHOSE WISELY..if you don't have insurance coverage and go self pay you will still have aftercare to pay for Dr's appt. fills appt. and god forbid any complications than you have to pay for that as well..and removal being the worst complication of them all :(

good luck

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Go To Topic Listing Insurance & Financing

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    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
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    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. summerseeker

        summerseeker

        Life as a big person had limited my life to what I knew I could manage to do each day. That was eat. I hadn't anything else to look forward to. So my eating choices were the best I could dream up. I planned the cooking in managable lots in my head and filled my day with and around it.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        I still cook for family feasts, I love cooking. I still do holidays but I have changed from the All inclusive drinking and eating everything everyday kind to Self catering accommodation. This gives me the choice of cooking or eating out as I choose. I rarely drink anymore as I usually travel alone now and I feel I need to keep aware of my surroundings.

        I don't know at what point my life expanded, was it when I lost 100 pounds? Was it when I left my walking stick at home ? Was it when I said yes to an outing instead of finding an excuse to stay home ? i look back at my last five years and wonder how loosing weight has made such a difference. Be ready to amaze yourself.

        BTW, the liquid diet sucks, one more day and you are over the worst. You can do it.

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