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Insurance or Self-Pay?

Last week, my doctor referred me to a Gastric Sleeve Surgeon. I attended his open house and I have a consultation reserved later this month. I contacted my insurance agency because part of their requirements is for me to work with a Bariatric Case Manager. I spoke with her today and she informed me of a few new wrinkles. My insurance company only covers surgeries through a Bariatric Center of Excellence. That doctor is not part of any centers that have that certification.

A few days ago, I stumbled across this forum (and another). I realize that going to Mexico and paying for my own surgery is an actual option. I wrote my doctor and she is discouraging me from this route. She made it clear that my insurance will not pay for any additional surgeries that rise out of complications.

I could go with my insurance but it will take anywhere between 7-12 months before I can have the surgery. Whereas, if I paid, I could probably do it in September or October.

I really, really want to self-pay and do it in September. But, I am also afraid of not being covered for any after-care treatment.

Did anyone else have a similar choice?

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  • Don't take your doctor's advice about what surgeries or complications your insurance will or will not cover. Maybe SHE is too closed minded to continue to care for you afterwards, but if your policy

  • I thought with the ACA that any appointments after the surgery would fall under pre-existing condition coverage. As my doctor phrased, it would be an elective surgery if I chose to self-pay and the ne

  • lylabelle
    lylabelle

    I could have gone to insurance, most will eventually cover it - but as you said its a year process. I wasn't willing to wait that long. I also did a lot of research, and being a single mom I wanted

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So item 1 - you don't have another plan. You're paying cash. Second piece of this - you don't know if it will be covered because you're not following the prior requirements. The requirements are the 6 month diet plan/or nutritional monitoring

I think you are putting yourself at risk

Edited by Jersrose43

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