Jump to content
×
Are you looking for the BariatricPal Store? Go now!

I'm sooo bummed....not sure if I can have surgery now.



Recommended Posts

I am a self pay and we were going to borrow against some CD's we have to get my loan for surgery. Unfortunately our credit isn't that great (husband is self employed and has taken a hit financialy) and in order to get the loan it will tie up ALL of our equity. Having 5 kids the thought of doing that makes me sick. We never know what predicament is going to pop up and I can't see putting ourself in a dire financial situation to pay for the surgery. Currently I'm looking for a job (with NO luck).

I really just want to cry. I've even gone as far as signing surgery consents and am just waiting to get my date. We had no idea the situation was this bad. I guess we could cash in the CD's and pay for the surgery, but there goes our safety net if I do.

I'm just needing to vent..and if you are still reading this thanks for listening :)

Share this post


Link to post
Share on other sites

I have a similar situation<<<< but after long thought and prayer.. i realized that my kids need me healthy and around for them.. and i could always save $$ again..

so i am doing it..

meditate on it :-)

Share this post


Link to post
Share on other sites

Have you ever heard of carecredit? It is like a credit card that can be used only for healthcare/vet fees. We are using that to pay the difference after insurance. It wouldn't help with the entire cost but if you used that it could help lessen the amount that you would need to take out on a loan. We don't have good credit either and we were still approved. Also, I believe that the surgeons office/doctors office can negotiate with carecredit directly to increase the amount you were approved for if you aren't initially approved for enough.

I think it is definitely something you should look into. It might be what you need to have the surgery and deplete yourselves at the same time.

Good luck and I hope everything works out well for you!

Share this post


Link to post
Share on other sites

I would second using care credit...i'm not using it for the surgery but used it for other things like dental work (its open for pretty much any medical need) and when I did it, they even had a 12 mo no interest offer to pay it off as cash! Stay positive and know that there is ALWAYS a way to work things out...I also second what Ruby said, if its going to make you live longer and be healthier for yourself and your kids, thats one of the greatest gifts ever!

Good luck and keep us posted!

JG

Share this post


Link to post
Share on other sites

I am a self pay and we were going to borrow against some CD's we have to get my loan for surgery. Unfortunately our credit isn't that great (husband is self employed and has taken a hit financialy) and in order to get the loan it will tie up ALL of our equity. Having 5 kids the thought of doing that makes me sick. We never know what predicament is going to pop up and I can't see putting ourself in a dire financial situation to pay for the surgery. Currently I'm looking for a job (with NO luck).

I really just want to cry. I've even gone as far as signing surgery consents and am just waiting to get my date. We had no idea the situation was this bad. I guess we could cash in the CD's and pay for the surgery, but there goes our safety net if I do.

I'm just needing to vent..and if you are still reading this thanks for listening :)

I agree that your kids need you healthy AND happy. How much do you have to pay? The surgery here is about 10,000 but I hear in Mexico it's half the price....

Share this post


Link to post
Share on other sites

Thank you all for your responses. I'm just so overwhelmed. My surgery is $13,600. I've been thinking about how odd it was I've basically put our finacial business out there like this lol, but I just want this surgery so bad. I'm crossing my fingers I get called for an interview. I've submitted my resume and I PRAY I get it. The hours would be great for my kids and I'd have insurance.

Pity party is done! I'm staying positive and keep telling myself it will work out. Where there is a will there is a way! :)

Share this post


Link to post
Share on other sites

That a girl!!! Have faith and desire and build a plan and it will happen for you! I promise!!

Share this post


Link to post
Share on other sites

Maybe there are other options? Going to a very good doc in Mexico will be a lot less money. I am not familiar with the care credit offerings mentioned above but they would be worth checking out. You can also try to get a conventional loan to pay for it although I realize that it a longer shot. How about a family member? Anyone there you would feel comfortable borrowing from? If none of these work...maybe you will find a job soon that has insurance! Don't give up your dream!

I am sorry that you are going through this and I hope it works out for you. Please keep us posted on how you are.

Share this post


Link to post
Share on other sites

JG407~I just noticed your ticker says you are having surgery tomorrow?? Congrats! Please update me when you can. Sending good thoughts your way :)

That a girl!!! Have faith and desire and build a plan and it will happen for you! I promise!!

Share this post


Link to post
Share on other sites

Yep, you nailed it! Gotta be at the hospital at 630am tomorrow morning! Thanks so much! I'll try to update before and after the surgery assuming my coherence and technology are working!

Share this post


Link to post
Share on other sites

I am assuming (and only assuming) that you do not have any insurance now? Have you applied for Family Health Plus (here in NY)? Every state must have a program like it. I know that Medicaide Medical Managed insurance DOES pay for WLS. It's worth a phone call to find out. Do not let pride get in your way. "PRIDE GOETH BEFORE THE FALL".

I'd even go as far as to look into hospitals that are "charity orientated". We have one here in Warwick,NY that is so. They operate on a sliding scale according to income,if there is no insurance and allow one to pay monthly AFTER THE SURGERY if one can pay at all. Years ago I had a MRI done and the cost was completely written off.

Call your church. They will know of such a hospital. The one here is administrated by the Catholic church. The care is excellent and the bonus of prayers NEVER hurts!

--just a thought or two,:idea:

Valentina

:grouphug4:

Yep, you nailed it! Gotta be at the hospital at 630am tomorrow morning! Thanks so much! I'll try to update before and after the surgery assuming my coherence and technology are working!

Share this post


Link to post
Share on other sites

I think a miracle just happened!!!! We may of found a way to do this. I'm so happy I could cry!!! We will find out Tuesday......

Share this post


Link to post
Share on other sites

Well,Girl!!! don't keep us in suspense..What miracle is in progress?????? :gossip: I know that I have been mentioning you in my chit chats with God daily. I'm sure others have also. We ALWAYS need to hear good news, so come on and share with us. Even if it's only a possibility.

Valentina

:grouphug:

I think a miracle just happened!!!! We may of found a way to do this. I'm so happy I could cry!!! We will find out Tuesday......

Share this post


Link to post
Share on other sites

We are able to access funds we had forgotten we had!!! AND a generous family member is helping as well! I just thank God it looks like its a real possiblity! Thanks for praying for me. Hopefully I'll be a June Jewel :) As of right now my monthly medicine is costing over $300 a month...paying this surgery off is half that..and I'll be on my way to being healthy!!

Well,Girl!!! don't keep us in suspense..What miracle is in progress?????? :gossip: I know that I have been mentioning you in my chit chats with God daily. I'm sure others have also. We ALWAYS need to hear good news, so come on and share with us. Even if it's only a possibility.

Valentina

:grouphug:

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Trending Products

  • Trending Topics

  • Recent Status Updates

    • vsg.with.sharon

      Hey everyone!
      I’m new here! Looking for some friends! 🥰
      · 0 replies
      1. This update has no replies.
    • LeighaTR

      Four days post surgery. I am sipping as fast as I can and getting NO WHERE near the goal of 60 - 80 grams of protein or the 64 oz of liquids. I just feel FULL. I don't know if it can still be the gas build up (I would think by now that would be gone) but it is a struggle to drink. And so far I have not had the nausea or spasms and don't want to wander into that territory by pushing too hard with liquids. I about passed out today as it was my most "strenuous" day. Went from second story to basement for shower and I was sure I was going to pass out. Looking back on my last few days I have had a total of less than 1000 calories. Am I just not getting enough nourishment in me? Once again a friday where I can't get ahold of the doc until Monday rolls back around so I am hoping maybe someone here has some experience on how to keep energy going. I do have fibromyalgia too and that may be where some added fatigue comes into play. How did you all fair with the goals the week after surgery?
      · 0 replies
      1. This update has no replies.
    • Doughgurl

      2 days until I fly out to San Diego to have my Bypass Surg. in Tiajuana Mexico. Not gonna lie, the nerves are starting to surface. I don't fear the surgery itself, or the fact that I'm traveling alone, but its the aftermath that I'm stressing about the most, after this 8 week wait. I'm excited to finally be here, but I am really dreading the post surgical chapter. I know its going to be tough, real tough and I think I'm just in my head to much now that the day i here. Wish me luck, Hopefully I'm one of the lucky ones, and everything goes smoothly. Cant wait to give an exciting update,. If there is anyone else have a June bypass or even a recent one, Id love to have someone to compare war stories with. Also, anyone near San Antonio Tx? See ya soon with the future me. 💜
      · 3 replies
      1. Phil Penn

        Good Luck this procedure is well worth it I am down to 249.6 lb please continue with the process..

      2. Selina333

        I'm in Houston so kind of near you and had the sleeve in Dec. Down 61 lbs. Feeling better. Was definitely worth it. I hope the everything is going well for you. Update us when you can!

      3. Doughgurl

        I am back home after my bypass surgery in Tiajuana. I'm post op day 4. Everything went great! I guess I'm one of the lucky ones who have not encountered much pain at all, no nausea thus far and I'm having no problem keeping down broths and water. Thank you for your well wishes. I cant wait to keep up this journey and have a chance at better health and simply better quality of life. I know there will be bumps in the road ahead, and everything won't be peaches and cream, but at least I have a great start so far. 😍

    • LeighaTR

      I am new here today... and only two weeks out from my sleeve surgery on the 23rd. I am amazed I have kept my calories down to 467 today so far... that leaves me almost 750 left for dinner and maybe a snack. This is going to be tough for two weeks... but I have to believe I can do it!
      · 0 replies
      1. This update has no replies.
    • Doughgurl

      Hey everyone. I'm new here so I thought I should introduce myself. I am 53y/o and am scheduled for Gastric Bypass on June 25th, 2025. I'm located in San Antonio, Texas. I will be having my surgery in Tiajuana Mexico. I've wanted this for years, but I always had insurance where bariatric procedures were excluded. Finally I am able to afford to pay out of pocket.  I can't wait to get started, and I hope I'm prepared for the initial period of "hell". I know what I have signed up for, but I'm sure the good to come will out way the temporary period of discomfort and feelings of regret. I'd love to find people to talk to who have been through the same procedure or experience before. So I look forward to meeting you all. Hope you have a great week!
      · 2 replies
      1. Selina333

        I'm so happy for you! You are about to change your life. I was so glad to get the sleeve done in Dec. I didn't have feelings of regret overall. And I'm down almost 60 lbs. I do feel a little sad at restaurants. I can barely eat half a kid's meal. I get adults meals often because kid ones don't have the same offerings at times. Then I feel obligated to eat on that until it's gone and that can be days. So the restaurant thing isn't great for me. All the rest is fine by me! I love feeling full with very little. I do wish I could drink when eating. And will sip at the end. Just a strong habit to stop. But I'm working on it! You will do fine! Just keep focused on your desire to be different. Not better or worse. But different. I am happy both ways but my low back doesn't like me that heavy. So I listened (also my feet!). LOL! Update us on your journey! I'm not far from you. I'm in Houston. Good luck and I hope it all goes smoothly! Would love to see pics of the town you go to for this. I've never been there. Neat you will be traveling for this! Enjoy the journey. Take it one day at a time. Sometimes a few hours at a time. Follow all recommendations as best you can. 💗

      2. Doughgurl

        Thank you so much for your well wishes. I am hoping that everything goes easy for me as well. We don't eat out much as it is, so it wont be too bad in that department. Thankfully. Also, I hear you regarding your back and feet!! I'd like to add knees to the list. Killing me as we speak! I'm only 5' so the weight has to go. Too short to carry all this weight. Menopause really did a doosey on me. (😶lol) My daughter also lives in Houston. with her Husband and my 5 grand-littles. I grew up in Beaumont, so I know Houston well, I will be sure to keep in touch and update you on my journey. I may need some advice in the future, or just motivation. Thank You so much for reaching out, I was hoping to connect with someone in the community. I really appreciate it. 💜

  • Recent Topics

  • Hot Products

  • Sign Up For
    Our Newsletter

    Follow us for the latest news
    and special product offers!
  • Together, we have lost...
      lbs

    PatchAid Vitamin Patches

    ×