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Dont give up! Keep searching for other options...You know I was going to have a different wls and found out because of the surgeon I chose I would need to come up with a big chunk of cash...I almost gave up but I kept praying and God opened another door for me and I am so blessed to have had the sleeve. I will say a prayer that you will find a way to take care of your health one way or another. Blesssings to you.

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Don't give up! My insurance does not cover any weight loss surgery....I was self pay. We were struggling financially when i approached the subject of the surgery with my hubby....he looked at me like I had a horn growing out of my forehead! We have two kids in college and my once very successful business went belly-up last year because of the economy! I knew I had the option of a home equity line of credit (very low interest rates right now) or a health care credit card.

It was scary to spend so much money ($9,500 total)..but now, looking back, it was the best money I have ever spent! You have to look at it as an investment in yourself! At 10% out of pocket, you shouldnt be paying any more than $2,000 out of pocket....and YOU ARE WORTH SO MUCH MORE THAN $2000! Do what ever it takes for your health....I've even sold some of my things on eBay to help pay for this!

And...one other thing...at only 7 weeks out and 32 pounds down, I have already saved a lot of money on my grocery bill! :D

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A lot of insurances have an out of pocket max- for me mine was $2000, but I had already met $1000. So my surgery cost me my copays plus $1000. (Which was my coinsurance of 10% until I met the $2000.) Look into your insurance to see what it would be. Also- your insurance will have a contracted rate with the surgeon and hospital. For instance the hospital billed my insurance over $33,000 but the contracted rate was only like $5300- so I only had to pay 10% of $5300 not the $33,000!

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Only 90% self pay is so worth it!!! You will NOT be unhappy.. spend the money on yourself.. trust me you will be happy!!

It sounds like your insurance plan is pretty good. I wanted to have the lap-band done in 2007 and my plan didn't cover it. So I kind of gave up. Then my husband's new insurance in 2011 covered the SLEEVE and the Lap-band. I went to the meeting with the doctor and decided that the Sleeve was right for me. I have lost 15 pound since Dec 14th

Spend the money on yourself.. you will not be sorry..

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90% coverage is pretty good... I don't know of any insurance to cover 100%. I would start saving money everywhere I could and set it aside!

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Apply for CareCredit, they have an application you will be required to fill out. I am using that for my co-payment. On a positive note ten percent is not a large amount for the importance and necessity of your well-being. Good Luck

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i would not let the 10 % scare you. my insurance has a maximum out of pocker expense of 4500 and my family has already used 3000 so my surgery cost 1500 bucks. do not let the 10 % stop you from changing your life. call your doctors office to see if they have any payment programs that will assist you. most peoples problem with WLS is that it is not covered at all by there insurance. good luck and stay positive.

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I had an out of pocket co-pay of $3000. It was tough to scrape it up, but I will be saving so much on health expences in the future because of this investment in my health now. My Drs office said that the hospital could work out a payment plan if I needed it as well... Check out all your options before you give up. Some Drs are starting to add a surgeons fee on top of other fees- outside of co pays and such... if they said they were free, perhaps they ment they did not charge a surgeons fee... just guessing here...

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I was just approved last week and on one note I was so excited but after that sank in and I reread the email a couple of times I was bummed to learn that I was going to have to pay 5000.00 which I don't have. I'm looking into getting CareCredit card or borrow against my 401. All I know is I have to have this surgery with my health I can't keep going the way I am, I want to live to see my grandkids. Don't give up!!!!

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I have an 80/20 plan (I pay 20% after insurance adjustments) and an out of pocket max of $3000 so it'll cost me 3k. I have a health care reimbursement plan option (FSA) through work that I always use so I'll pay for it that way. At least it's pre-tax!

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You could talk to your doctor's office to see if they would be willing to accept the 90% as full payment.

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thanks everyone. i called kaiser and i was told that i would just pay 10 percent on my admissions which im still confused about. well i will proceed with the classes and just leave it in gods hand. thanks again guys for your comments

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The doctors office should be able to tell you an estimated dollar amount on the admissions. Ask for it. Perhaps you could set up a payment plan for it and start paying that amount ahead of time. Or open a savings account yourself and put any found money into it.

I agree with everyone else, this is so worth it. I was a self-pay and I do not regret one penny of my $12,500! The difference in my health and my energy levels is astounding!!

Lissa

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    • Meganator

      Just deleted all of my food delivery/ordering apps and unsubscribed from several restaurant emails. I start my pre-op diet next week- unsure what that will look like until I meet with my dietician on Monday, but I want to be prepared for success. Let's go!
      · 0 replies
      1. This update has no replies.
    • Kaguragetshealthy_87

      Just logged into my insurance and found out I'm approved! Yes!!!!!!
      · 3 replies
      1. Candace76

        Congrats!

      2. GreenTealael

        Congratulations!

      3. ymn

        Yay!

    • echubbythighs

      FYI. I'm going to discuss poop! I'm a Registered Nurse x16yrs.  It's possible this might be to much information for some but I'm not gonna sugar coat my info/experience. I hope some find this much detail helpful.
      Post op gastric sleeve 8 days out. The first day/night was AWFUL. I believe the majority of discomfort was from all the gas placed in the abdomen during surgery. Day 3 I started have less pain from the gas yet the spasm/pulling/tightness in right lower quadrant of abd. continues to this day (maybe a 4 on the pain scale w/ 10 being worst). I recommend WALK, splint your abdomen w/ a small pillow to cough/sneeze/laugh/try to have a bowel movement!
      Speaking of bowel movements, my Doctor did not have me do a liquid fast 2 wks prior to surgery, only 24 hrs prior to day of. I was unable to pass gas or have a bowel movement until day 6 and that was with the help of Miralax on day 5 ( note I did take the pain med's/Lortab the first 3 days). I have no problem taking in H2O as I'm a water snob so this wasn't the issue.  FYI. Narcotics can increase constipation. I recommend the Miralax, I purchased individual dose pkg's which make it simple to take on the road/convenient. Bowel movements should return to pre surgery consistency if not discuss w/ your MD. 
       It was difficult to urinate ( minimal volume/stream) the 1st 3 days as well, I assume due to gas and swelling in the abd. cavity, 8 days out and the all things back to normal in that department. 
      No appetite, only thirst first 3 days. I started the Protein shakes my local health food store offered NutraBio 100% whey protein iso. 25 grams protein in one scoop and it tastes clean no after taste/grit. I started to notice a desire to eat on day 3. I found heating up Lipton soup mix or ckn soup from a can and straining out the solid bits extremely fulfilling. Now day 8 I want to have something of substance in my belly. I'm not sure if it's hunger or habit. I am still cooking meals for my family. I bought some ice cream last night and that made a huge difference in my attitude/energy/outlook. I've noticed many different diet recommendations throughout my research in regards to the liquid phase of the diet. My surgeon wants everything low carb, low fat, calories 700-900. That is a bit extreme for me I beleive. I've already gone back to work (day 5/modified w/ no lifting over 15 pds) and couldn't make it through the day on that limited amt of calories. I've been blending canned soups to liquid consistency the last few days, loads of yogurt, popsicles and yes protein shakes. Tonight I needed something with richer consistency so I made myself a small bowl of mashed potatoes maybe 2oz. I felt so Satisfied and afterward, the idea of another week on a Liquid diet didn't seem so disappointing/unattainable. 
      The most dramatic changes I've noticed to my body since having the surgery is the overall inflammation/bloating in my face/abdomen is 70% resolved, my skin is 90% clearer and I don't feel the need to take my bra off the second I put it on ( strange I know). I am thrilled with my choice to have this procedure thus far. I feel much better when I listen to my body and not just blindly follow the strict eating regimen ordered by my MD. I'm not encouraging anyone to go against your MD's recommendations but for me, listening to my body and making small adjustments is making this journey more positive/manageable.  
      To date I've lost 13 pds and it's only day 8 post op. 
       
       
      · 0 replies
      1. This update has no replies.
    • JLynnWilson

      Surgery is set for 10/4/21. At this point I haven't had any coffee, alcohol, carbonated drinks, or caffeine in general for over a month. Too bad it just hit pumpkin spice season! I'm missing my coffee!
      · 2 replies
      1. hopeainsley

        I have been a regular coffee drinker for 20 years atleast. Transitioning to no coffee is going to be so difficult. How did you do it?

      2. JLynnWilson

        I've been drinking about two large cups of coffee at day minimum for about 15 years. I also drank probably one-two cups of soda a day, but i've always drank a ton of water through out the day. I think what helped me was telling myself "the end was coming" and i stopped soda/alcohol first. I gave myself one last weekend and stopped. During that week I had my "favorite" coffees and said the upcoming weekend was my last. That Sunday i had my husband put all my coffee on the top shelf in the cabinet and I haven't had any since. It took about a week or two to adjust, especially with the caffeine withdrawal. I think it just helped me to space things out instead of stopping everything at once. I also drink warm tea that doesn't have caffeine in the morning, helps to trick my mind I guess!

    • LindasBlu

      I bought a box (7 servings) of peaches and cream oatmeal (used one) and pumpkin spice pancake mix (none used).  I no longer want them.  The exp dates are 4/2023 and 10/2022, respectively.  I live in Manatee Co, FL.  Will take $10 for all.
      · 0 replies
      1. This update has no replies.
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