Hi all, so I’m having a bit of a dilemma and I was just curious to know what others would do in my position.

My wife and I currently have Kaiser insurance here in California. Based on their program, it would be 10 classes (2.5 months) and then I would have to wait to get on the books for surgery, the person I spoke to said it could be up to a year wait. BUT, I have zero copay and the surgery would essentially be free.

On the other hand, there’s the possibility of taking out a Care Credit loan at for $18.5k 0% APR and I could get the sleeve at Blossom Bariatrics by next month if I wanted to.

I know it seems like a no brainer to just be patient and wait. That is the smarter financial decision. We do have to put a new roof on our house (or we could wait until next year) and we are definitely worried that if I take out an 18k loan… that our financing of our roof would come with a stupid APR and would ding our credit. We are in our 30s… no kids… live comfortably financially but not well off-which is why the 18k seems a little crazy, although the monthly payments are totally doable for me.

On the other hand, I’m almost prediabetic, high cholesterol, feel like my eating habits are spiraling each day. I am genuinely upset that I feel like I’m turning to surgery as a last resort and tool. I’ve tried every diet, every app, every diet pill from my Doctor, I have spent thousands at this point for personal trainers, my mind is consumed with the state my body is in, I feel exhausted, not healthy and I also feel like it’s holding me back from progressing in my life/career. My confidence level, well, it doesn’t even exist at this point. I feel defeated and the amount of energy I use thinking about losing weight/getting healthy is maddening and exhausting.

I feel as though one can’t put a price tag on health. I feel like the gross amount of money I spend on eating out nearly every day, buying food, paying for this diet or that gym equipment… would also be eliminated to an extent if I have surgery. So, I kind of feel like even spending 18k… I would SAVE in the long run. I have a ton of goals I’d love to accomplish over this next year… and I feel like the thing holding my back is my health/confidence/lack of energy.

My wife is wonderful and we have long, real discussions about all of it. She’s kind of the financial whiz of our life and we are both wondering what the best option is. Spend the money… get my health on track ASAP… save money in the long run because I’m not eating out multiple times a day or buying whatever I think will help me finally get on track. (She also feels like this would help her as my eating habits are starting to wear off on her she says)…OR Wait a year stuck in this loop, possibly gaining more. But I'll pay nothing.

There’s so much that can happen in a year… but I don’t want to remain stagnant, spiraling for a year… I want to jump start it and move forward and get this over with and move on. But I can’t figure out what the best choice is. Further, I'm so afraid that even using the sleeve as a helpful tool, that'll I'll just fail at that as well.

Thanks for reading my vent. Would love to hear some of your thoughts.

I ended up waiting almost two years from when I first reached out to my center, because of concerns about complications if I went a self pay route. I could for sure have written a check but I wanted the additional peace of mind. I was really annoyed at first about the waiting period and hoops I had to jump through to get qualified but in retrospect I’m glad I had them. I ended up losing weight prior to surgery, which helped me get ready for the lifestyle change and be more prepared for recovery, and I had enough time to be certain over and over that I was making the right call.

I understand once a decision is made that it is frustrating to wait, but honestly if you have the option to get insurance to pay I’d always go that route. Also glad I didn’t fork out the cash for self pay because 2 years post op I ended up using those funds for skin removal, haha.