Has anyone heard of or used medical plans such as these to get their surgery done?

1. Qualified Health (PHCS - Private HealthCare Systems)

2. UA - United American Insurance

Both places say that as long as the surgery is done by a "surgeon" they approve or in their network they will cover the surgery and you pay out of your pocket the rest.

Since I am still waiting on my Urologist to release me - trying to find alternatives to being Full Self Pay for my surgery

PHCS said they would pay for mine because my policy did not have an exlcusion...just sounds like you have to stay in network...never heard of UA though...

I guess coverage is different for everyone, even if you have the same insurance. I have PHCS and I had to have a BMI of 40+ (which I didn't have). If I'd met the BMI requirements, I would have been required to have a psych eval, nutritionist eval, all sorts of blood work and tests, not to mention an 18-month doctor supervised diet. Since I have a 38 BMI, I wasn't eligible for the insurance, so I'm doing self-pay. Hell, even if I did have a 40 BMI I wouldn't have gone through insurance. 18-months of supervised diet??? Yeah right! Once I made the decision to get the band, I was not willing to wait another 18-months just to apply for insurance coverage, ya know?