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I cant belive this is happening!!!

anitak33

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anitak33    0

anitak33
Posted

ok i have a date and i thought I had the financing for it!!!! but my loan just "fell through" watever thats supposed to mean!! Im so bummed my surgery is in a week from tomorrow!!!

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Longhorn    1

Longhorn
Posted

Can you try another source? Will your surgeon's office help you?

I applied to two companies to see who would give me the better rate: Capitol One and Care Credit. I also ended up using both because Care Credit had a lower interest rate. I ended up splitting it about 2/3 on Capitol One and 1/3 on Care Credit. Surely your doctor has some suggestions on who they work with.

Keep trying and good luck!

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Leena    108

Leena
Posted

I used Capital One for fiancing too. They were really quick about it as well. They pretty much just have to confirm fees with your Surgeon and know how the checks are to be written. For example mine were broken up as follows: hospital, anesthesia and surgeon fees for a total of $14,500.

Hope this helps,

Leena

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Kele_Kana    0

Kele_Kana
Posted

I, too, used Care Credit and got immediate approval after applying online. Definitely try them. When I applied alone I was only approved for half of what I needed (but my credit is TERRIBLE so half was actually a huge surprise to me), I applied again w/ a co-signer (thank you mom!) and was approved for the whole amount...again immediately (the account number was given to me upon approval as well, no need to wait for the card)

I did what you did and set a date not knowing for sure if I'd get the loan. Somehow things have their ways of working out...

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jamietindall19    0

jamietindall19
Posted

make sure if you apply with capital one that your doctor is a particpating in the program i got a loan from them only to find out my doc didnt participate gosh i was bummed! are you paying for the whole surgery or just a small amount ? THE HOSPITAL sometimes will work out or offer some financing! good luck!

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anitak33    0

anitak33
Posted

alright i gave it some thought and i decided even if this loan doesnt work out i'll get another I shouldnt let something like this stand in my way of happiness

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VegasGrace    1

VegasGrace
Posted

Good for you! Don't let it stand in your way.

I'm a single mom of 3 w/ no insurance. Like you, I made it happen. Found a great surgeon who gave me a great deal, $7,000. Didn't want to compromise my safety just by selecting a 'cheap' surgeon.

I used my line of credit/overdraft protection attached to my checking account.

Keep us posted.

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Go To Topic Listing PRE-Operation Weight Loss Surgery Q&A

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    • Eve411

      Eve411

      April Surgery
      Am I the only struggling to get weight down. I started with weight of 297 and now im 280 but seem to not lose more weight. My nutrtionist told me not to worry about the pounds because I might still be losing inches. However, I do not really see much of a difference is this happen to any of you, if so any tips?
      Thanks
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      Well recovering from gallbladder removal was a lot like recovering from the modified duodenal switch surgery, twice in 4 months yay 🥳😭. I'm having to battle cravings for everything i shouldn't have, on top of trying to figure out what happens after i eat something. Sigh, let me fast forward a couple of months when everyday isn't a constant battle and i can function like a normal person again! 😞
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    • KeeWee

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      It's been 10 long years! Here is my VSG weight loss surgiversary update..
      https://www.ae1bmerchme.com/post/10-year-surgiversary-update-for-2024 
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    • Aunty Mamo

      Aunty Mamo

      Iʻm roughly 6 weeks post-op this morning and have begun to feel like a normal human, with a normal human body again. I started introducing solid foods and pill forms of medications/supplements a couple of weeks ago and it's really amazing to eat meals with my family again, despite the fact that my portions are so much smaller than theirs. 
      I live on the island of Oʻahu and spend a lot of time in the water- for exercise, for play,  and for spiritual & mental health. The day I had my month out appointment with my surgeon, I packed all my gear in my truck, anticipating his permission to get back in the ocean. The minute I walked out of that hospital I drove straight to the shore and got in that water. Hallelujah! My appointment was at 10 am. I didn't get home until after 5 pm. 
      I'm down 31 pounds since the day of surgery and 47 since my pre-op diet began, with that typical week long stall occurring at three weeks. I'm really starting to see some changes lately- some of my clothing is too big, some fits again. The most drastic changes I notice however are in my face. I've also noticed my endurance and flexibility increasing. I was really starting to be held up physically, and I'm so grateful that I'm seeing that turn around in such short order. 
      My general disposition lately is hopeful and motivated. The only thing that bugs me on a daily basis still is the way those supplements make my house smell. So stink! But I just bought a smell proof bag online that other people use to put their pot in. My house doesn't stink anymore. 
       
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    • BeanitoDiego

      BeanitoDiego

      Oh yeah, something I wanted to rant about, a billing dispute that cropped up 3 months ago.
      Surgery was in August of 2023. A bill shows up for over $7,000 in January. WTF? I asks myself. I know that I jumped through all of the insurance hoops and verified this and triple checked that, as did the surgeon's office. All was set, and I paid all of the known costs before surgery.
      A looong story short, is that an assistant surgeon that was in the process of accepting money from my insurance company touched me while I was under anesthesia. That is what the bill was for. But hey, guess what? Some federal legislation was enacted last year to help patients out when they cannot consent to being touched by someone out of their insurance network. These types of bills fall under something called, "surprise billing," and you don't have to put up with it.
      https://www.cms.gov/nosurprises
      I had to make a lot of phone calls to both the surgeon's office and the insurance company and explain my rights and what the maximum out of pocket costs were that I could be liable for. Also had to remind them that it isn't my place to be taking care of all of this and that I was going to escalate things if they could not play nice with one another.
      Quick ending is that I don't have to pay that $7,000+. Advocate, advocate, advocate for yourself no matter how long it takes and learn more about this law if you are ever hit with a surprise bill.
      · 0 replies
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