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

MissBJones

By MissBJones, in Insurance & Financing

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MissBJones    9

MissBJones
Posted

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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lisa2job    130

lisa2job
Posted

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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Threetimesacharm    1,400

Threetimesacharm
Posted

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

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MissBJones    9

MissBJones
Posted

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

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Squisha    99

Squisha
Posted

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

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TamaraS    235

TamaraS
Posted

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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MissBJones    9

MissBJones
Posted

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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TamaraS    235

TamaraS
Posted

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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MissBJones    9

MissBJones
Posted

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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TamaraS    235

TamaraS
Posted

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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MissBJones    9

MissBJones
Posted

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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TamaraS    235

TamaraS
Posted

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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TamaraS    235

TamaraS
Posted

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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MissBJones    9

MissBJones
Posted

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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TamaraS    235

TamaraS
Posted

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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Go To Topic Listing Insurance & Financing

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