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Need advise/loan pending/Self Pay ?



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Please note: I posted this message under finance and insurance as well:

My insurance will not cover the cost of WLS, so therefore I had to take out a hardship withdrawal from my employer's healthplan. The loan is pending, based upon the surgery being medically necessary followed with a statement from the doctor. My doctor will willing to do the surgery using the selfpay option. I have a BMI of 40 but no commodities. I am soo afraid that I will be denied,this is my last hope. Not sure how to get around this hurdle. I am sure that bariatric WLS will be looked at as cosmetic. Any suggestions, before I contact my MD? Has anyone else been faced with this obstacle?

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Bariatric Pal has Medical Tourism packages for Tijuana MX. Contact bill@bariatricpal.com and he can go go over all the options. My revision from sleeve to Mini Gastric Bypass costs $5399 plus my airfare.

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Do you have a retirement account? My retirement account allows me to take out loans against my retirement up to 45% of the total invested. Then I am basically paying myself back with interest (TIAA-Cref takes a small percentage). It's how I was able to get the money for my self-pay in Mexico.

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Please note: I posted this message under finance and insurance as well:

My insurance will not cover the cost of WLS, so therefore I had to take out a hardship withdrawal from my employer's healthplan. The loan is pending, based upon the surgery being medically necessary followed with a statement from the doctor. My doctor will willing to do the surgery using the selfpay option. I have a BMI of 40 but no commodities. I am soo afraid that I will be denied,this is my last hope. Not sure how to get around this hurdle. I am sure that bariatric WLS will be looked at as cosmetic. Any suggestions, before I contact my MD? Has anyone else been faced with this obstacle?

You don't need any comorbidities with a BMI over 35, you'll be fine just have faith.

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Thanks so much for the suggestions... I now have options to choose from. Will keep you posted.

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@@Beajay Have you heard back weather or not you were approved for the 401K medical hardship withdraw? I'm in the same boat as you and wasn't sure if it would be approved, I was told it may be consider cosmetic surgery & if so it will be denied. I have a BMI of 35 with no commodities. And since I don't meet my insurance requirements. Self pay is my only other option & Mexico has better VSG pricing compared to the United States.

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    • Prdgrdma

      So I guess after gastric bypass surgery, I cant eat flock chips because they are fried???  They sell them on here so I thought I could have them. So high in protein and no carbs.  They don't bother me at all.  Help. 
      · 1 reply
      1. NickelChip

        It's possible for a very high fat meal to cause dumping in some (30% or so) gastric bypass patients, although it's more likely to be triggered by high sugar, or by the high fat/high sugar combo (think ice cream, donuts). Dietitians will tell you to never do anything that isn't 100% healthy ever again. Realistically, you should aim for a good balance of protein, carbs, and fat each day. Should you eat fried foods every day? No. Is it possible they will make you sick? Maybe. Is it okay to eat some to see what happens and have them for a treat every now and again? Yes.

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      · 1 reply
      1. NickelChip

        I actually watched cooking shows during my pre-op, like Great British Baking Show. It was a little bizarre, but didn't make me hungry. I think it was also soothing in a way.

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      How do you figure out what your ideal weight should be? I've had a figure in my head for years, but after 3 mths of recovery I'm already almost there. So maybe my goal should be lower?
      · 3 replies
      1. NickelChip

        Well, there is actually a formula for "Ideal Body Weight" and you can use a calculator to figure it out for you. This one also does an adjusted weight for a person who starts out overweight or obese. https://www.mdcalc.com/calc/68/ideal-body-weight-adjusted-body-weight

        I would use that as a starting point, and then just see how you feel as you lose. How you look and feel is more important than a number.

      2. Clueless_girl

        I did find different calculators but I couldn't find any that accounted for body frame. But you're right, it is just a number. It was just disheartening to see that although I lost 60% of my excess weight, it's still not in the "normal/healthy" range..

      3. NickelChip

        I think it's important to remember that the weight charts and BMI ranges were developed a very long time ago and only intended to be applied to people who have never been overweight or obese. Those numbers aren't for us. When you are larger, especially for a long time, your body develops extra bone to support the weight. Your organs get a little bigger to handle the extra mass. Your entire infrastructure increases so you can support and function with the extra weight. That doesn't all go away just because you burn off the excess fat. If you still had a pair of jeans from your skinniest point in life and then lost weight to get to the exact number on the scale you were when those jeans fit you, chances are they would be a little baggy now because you would actually be thinner than you were, even though the scale and the BMI chart disagree. When in doubt, listen to the jeans, not the scale!

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

      Now that I'm in maintenance mode, I'm getting a into a routine for my meals. Every day, I start out with 8-16 ounces of water, and then a proffee, which I have come to look forward to even the night before. My proffees are simply a black coffee with a protein powder added. There are three products that I cycle through: Premier Vanilla, Orgain Vanilla, and Dymatize Vanilla.
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      · 0 replies
      1. This update has no replies.
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