I just received notice that my insurance is not paying for my surgery. I'm so depressed right now. My doctor told me that one of my test showed that I gave gallstones, so I hope he can do both at the same time and I just pay him. My doctor's office said the cost is 5000 for the doctor fee and 10,000 for the hospital. Now, I'm hoping that that the hospital fee can be charged for the gallstone surgery and not the sleeve. Keeping my fingers crossed.

2 minutes ago, Natasha85 said:

They said that I can only remove what I put in.

Ah. You are not fully vested, right? Once you are vested, the money is yours, before that, your employer has the right to remove if you do not meet the vesting requirements. There isn't much you can do, because technically, that money is not yours yet.

You can take out loans, I've seen people talking about medical WLS financing here.

I think I'll get what I can remove and just save. I guess that's what that mean. I work for a small private company. Have insurance but they won't cover the surgery. I'll just save and hopefully be ready in the Spring.

I already have too many credit cards. Lol

Just now, Natasha85 said:

I think I'll get what I can remove and just save. I guess that's what that mean. I work for a small private company. Have insurance but they won't cover the surgery. I'll just save and hopefully be ready in the Spring.

How far away are you from being vested?

I personally am not a fan of removing money out of a retirement fund. I'm ok with taking a loan against it (I did that when I bought my first home), but you want to do everything you can to leave the money there. It is one of the few avenues where you will average 8% or more interest.

For me, I know if I removed the money, I wouldn't replace it on top of continuing to add money. This can set you back years.

On 05/08/2017 at 1:45 AM, Missytee said:

I thought about it but I'm kind skeptical about going to another country. The time I pay for flight, hotel, and maybe a rental car I be payed the same-thing. I believe my doctor will come down some more on his price because he really want to help me...

I've had surgery in another country (Thailand, and no, I haven't had bariatric surgery yet - it's scheduled for Tuesday) and I've never had a problem with it.

... It does give you some opportunities for some really neat photo ops. Here's me roughly 55 kg lighter, 8 years ago:

If I go back to Thailand (and I do intend to), I'm so going to try to mimic that statue's pose.

Edited August 25, 20178 yr by Véronique