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So frustrated! Not covered 100%



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So I have been going through the process since January and just got a call from the surgery coordinator with a surgery date!! Was so excited and she then scheduled the pre-op for this Friday (2 days from now) !! Then she mentions that my insurance considers this elective surgery so there will be out of pocket expenses!! And the hospital fees are due at the pre-op appointment in 2 days!!! WHAT?!!!!! She said she will get back to me about how much money this will cost. I am freaking out!!!! Does anyone have any idea how much out of pocket will be? I am sick to my stomach right now! I just want to cry!!

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Oh no! That's got to be an awful feeling. Hopefully it isn't a whole heck of a lot. I'm surprises they didn't tell you your surgery was elective before hand!

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I know!! When I had my initial appointment, they asked what insurance I have and when I told them, they said my insurance always authorizes the surgery which led me to believe they would pay for it !! And no one has ever mentioned it before now. It's just so frustrating and making me feel so defeated. Well, if nothing else, maybe I will lose some weight since I have absolutely no appetite now!! Lol

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Did your insurance approve your surgery? If so, do you know how much your out of pocket is... thats how much you'll probably have to pay. If your insurance doesn't cover/hasn't approved your surgery you'll have to pay for it all. Can you call your insurance and ask them? Have YOU talked to your insurance yet?

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Did your insurance approve your surgery? If so, do you know how much your out of pocket is... thats how much you'll probably have to pay. If your insurance doesn't cover/hasn't approved your surgery you'll have to pay for it all. Can you call your insurance and ask them? Have YOU talked to your insurance yet?

Yes, they approved it. I guess I was naive !! I just need to calm down and get over my anxiety before I call them.. And maybe have a sip of wine lol.

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Yayyyyyy just talked to insurance and they said it is only $25.00 lol !!!!!!!!!

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Yayyyyyy just talked to insurance and they said it is only $25.00 lol !!!!!!!!!

What a relief!

I like the saying "if you expect the worst, you can only have nice surprises" ????

Best wishes with your surgery ☺️

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Thanks so much !!!!!!

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Be sure that's for everything. Remember, there will be a bill from your surgeon, a bill from the hospital and another from the anesthesiologist, maybe one from radiology if there is a post-op radiograph, etc.Even though my insurance technically covers it, I will still have several hundred dollars of co-pay/deductible stuff for both the hospital and the surgeon. But that's what the patient coordinator at my surgeon's practice is there for - to get those figures ahead of time for me so there is no shock afterward!

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Hmmm I asked the insurance company if there were any other expenses and she said everything else is covered because my husband is active duty military. But I will definitely ask the coordinator when I meet with her on Friday !!! Thanks so much!!!

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Well that's great! I wish I'd had this done when my husband was active duty LOL! He is still a federal employee but our BCBS has lots of copays and stuff. Still, I'm lucky to have it covered most of the way!

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I freaked when I went to orientation and the woman next to talked about how much she had to pay. Same insurance company but different plans. I called and found it is covered on my plan, no deductible. I started February 2 but asked for surgery in June. I hope they can accommodate this.

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That's such great news! I actually had to hire an advocacy group to have my denial overturned! I I WON and and am having my Bypass on 03/11. I feel like the temporary freekout will only make me more of a weight loss rock star and it will for you too! Just hold on to that feeling of how freeked you felt when you were on the edge of your seat and how amazing it was to know you were ALL SYSTEMS GO! lol Keep us all updated!

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I started this whole thing last May started my 6 months of visits and of course I didn't know how strict it was and my first one was in June then the doctor called to change it back a week which made it July 2nd so now July was my month one not June. Then about Nov my husband found out his company is changing insurance Jan 1st we panicked trying to get it all done before the year ended since we had already met my deductible but of course test results took forever so we could even apply to insurance so of course it was after jan before my advocate could submit. Now our insurance is way more expensive for worse coverage. I got approved but talked to financial last week and my part is over $2000 due the day of surgery! Once again panic mode I wish I had been told that on the front end!!! Still having the surgery March 18th but having to use our whole tax return plus clean out our savings!! So angry!

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That's such great news! I actually had to hire an advocacy group to have my denial overturned! I I WON and and am having my Bypass on 03/11. I feel like the temporary freekout will only make me more of a weight loss rock star and it will for you too! Just hold on to that feeling of how freeked you felt when you were on the edge of your seat and how amazing it was to know you were ALL SYSTEMS GO! lol Keep us all updated!

So glad everything worked out for you!!! Good for you!!! Please keep us updated on your status as well !!! Are you doing a liquid diet before surgery?

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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.
      · 0 replies
      1. This update has no replies.
    • 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.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        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
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    • KimBaxleyWilson

      Three months and four days ago... I was in Costa Rica having a life changing surgery! Yesterday we had a followup visit with Dr. Esmeral via video chat and this morning my middle number changed.  I'm down 47lbs and two pants sizes. I can wear a Large tshirt for the first time in like... 14 years! Woot!! Everything is going great. I have zero regrets. I went down to the riverwalk with a friend and walked 2 miles on Monday without even getting fatigued. And no more snoring or chugging pickle juice for crazy leg cramps! I need to go to the gym more... I'm making new shirts next week so that will motivate me. LOL But I'm also just not as TIRED all the time! I have a LONG way to go...but seeing the progress on the scales and in the mirror is a huge motivator!! Thank you all for cheering me on and supporting me!!
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      1. This update has no replies.
    • bellaamey

      https://alluniqueguide.com/java-burn-coffee-reviews/
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