Has anyone heard of...

[TheWomanWithin 0]

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

[bjblev1215 0]

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...

[jmegirl 2]

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?