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Bad Credit And No Job..can I Still Get Approved For A Load For Surgery?



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Hey all, i was just wondering if anyone can answer my question. If i dont get approved by my insurance, and i won't be able to pay or save up by anytime soon. Can i still get a loan, i have bad credit am a student and have no job. What loans if any? Thank you

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I don't think they would if you have no means of paying it back to them ... I have a job and pretty good credit and they would only cover 1/2 the cost of surgery since my insurance wouldnt cover it.

lets cross our fingers that they approve you and you don't have to worry about it !!! :)

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Maybe you should ask your lender.......................I doubt it, no income? How will you pay your loan.

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thank you both, and i would agree with payments every month. low payments

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You may have better luck getting a loan if you have a cosigner with good credit.

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A lot of state and federal medical Insurance are covering this procedure. If you have no income you should qualify for some type of medical through your local state.

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A lot of state and federal medical Insurance are covering this procedure. If you have no income you should qualify for some type of medical through your local state.

Hey, Tamara :)

Yea i have Medi-Cal through Anthem Blue Cross in California. But im just not sure i will get approved for surgery because i dont have all the pre reqs.. I dont have documentation that i have tried other diets etc to lose weight. But i am a candidate though. And HC HBP and Diabetes are in the family

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I have ANthem Blue Cross also (Im a student too) and I was approved :) My surgery was september 27th. The insurance didnt request 6 month supervised Dr. dieting, all I had to do was write down my past diet attempts in my surgeons packet. Everything went incredibly smooth. Where are you located?

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I have ANthem Blue Cross also (Im a student too) and I was approved :) My surgery was september 27th. The insurance didnt request 6 month supervised Dr. dieting, all I had to do was write down my past diet attempts in my surgeons packet. Everything went incredibly smooth. Where are you located?

Wow really lol, that gives me more hope. I m in Sacramento California and do you have Anthem BC through the Medi-Cal program or just Anthem BC it may be different.

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I should mention that I was originally being seen with a medical group and almost all medical groups require the 6 month diet so I switched over to being seen at a local urgent care and was approved without the supervised diet (just my diet history).

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I should mention that I was originally being seen with a medical group and almost all medical groups require the 6 month diet so I switched over to being seen at a local urgent care and was approved without the supervised diet (just my diet history).

Oh ok i see, so how would i do that. Just make a Local Urgent Care my PCP??

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I have Anthem Blue Cross Medi-Cal. I live in Lathrop. Its about 15 miles past stockton. Do you have the place you want to be sleeved picked out yet? If you have any issues finding a place I strongly suggest Dr. Coates in Modesto. He was amazing :)

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Yup, Urgent Care are not usually associated with Medical Groups. Definitely ask your local Urgent Care first but it should work out just fine!

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Yup, Urgent Care are not usually associated with Medical Groups. Definitely ask your local Urgent Care first but it should work out just fine!

Ok im sorry i dont mean to keep asin questions lol, but so i just call Urgent Care and ask them can i make you my PCP? or Can i get a gastric sleeve referral from you? or what?? And also Modesto, ok cool yes i will keep that in mind, i was lookin at a Dr names Benjamin Shadle but he seems to not be on here as a surgeon.

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Ask me as many questions as you can! Thats why we come here, I am glad I can help you :) You have to call Blue cross (the number should be on the back of your card) and tell them who you want to change your primary care provider to. Before you do that, You should try calling some local Urgent Cares and make sure they see pateints on a regular basis, confirm they are not part of a Medical Group and then ask if their Dr."s are willing to send referals out for weightloss surgery. Hopefully that should cover it :)

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    • 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. LeighaTR

        I hope your surgery on Wednesday goes well. You will be able to do all sorts of new things as you find your new normal after surgery. I don't know this from experience yet, but I am seeing a lot of positive things from people who have had it done. Best of luck!

    • 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

        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.

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        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.

    • CaseyP1011

      Officially here for a long time, not just a good time💪
      · 0 replies
      1. This update has no replies.
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