My insurance excludes WL surgery & complications; however, my surgeon offers the following Blis complication insurance options. Which one(s) should I purchase. I'm have a low BMI & the only health complication I've ever had has been high blood pressure. I'm hoping I won't have any complication, but you never know & I don't want to cause financial ruin to my family. I figure the leak insurance is a must. Is 90 days long enough? What about the others? Please guide me in which I should select. I'm guessing the cardopulmonary/thromb. is something like a clot?

Complication 90 Day 6 months 12 months 18 months 24 months 30 months

Cariopulmonary/

Thromboembolic $465.02

Bleeding/Infection/

Leak/Perforation $1,170.27

Stenosis/Stricture $183.82 $202.02 $220.22 $238.42 $252.98 $265.72

I had Blis, although I wasn't given options. Mine cost $1200, and I never used a cent of it. I felt horrible on my last day in the hospital and wanted to say a day longer, and my doctor gave me such a whopping attitude about it, that I just went home and felt miserable there. I got the impression that if you actually use the insurance the doctor somehow gets dinged for it.

If you can afford it, I would honestly get all of them. Your chance of a cardiac issue or a blood clot is fairly slim, which is why the cost is only half of the bleeding/infection/leak one, which is also fairly slim, but why not get it and cover yourself? I would also get the 30 months coverage for the stricture, primarily because I didn't develop a slight stricture until almost a year out from surgery. Mine isn't bad enough that it bothers me and it generally keeps me from eating too much too quickly, but for an extra $265, why risk it?

My Blis only covered complications right after surgery to my knowledge. I think though that 90 day coverage for the top 2 is more than enough. After that point you aren't going to have a clot or cardiac issue that results from the sleeve, and while you can still technically have a leak, the chances are really almost nonexistant after 3 months. The only reason I would suggest getting the stricture coverage for longer is purely because I was fine for the first year and then after that started puking everything I ate, so despite the fact that this is also a fairly rare complication, you're buying piece of mind.

My logic was that when I'm paying for surgery of that expense, I should be willing to pay the extra for insurance coverage. I knew I would be FAR more worried about complications if they were not something that was insured, and after surgery you feel badly enough- no need to add stress to the mix.