My insurance says they only cover $7,500, and the first office I called said it would be CHEAPER to go self-pay cause they charge the insurance company twice as much than their self-pay rate.

Anyone have this cap on their insurance, and how much did you have left over to pay?

Huh? That just doesn't sound right. What good is the insurance if the "lifetime limit" is only $7,500?!?

Clarify whether they are saying...

1. They will pay $7,500 towards the cost of the Lap Band procedure, or

2. If your annual deductible is $7,500, or

3. If your annual maximum "out of pocket" is $7,500, or

4. Over your lifetime of coverage under the policy, you can only get sick $7,500 worth.

That's wacked!

My insurance has a lifetime limit of 2 mil. But it's group insurance through my company. Lots of times private policies have a much smaller limit.

It is $7,500 towards bariatric surgery...and yes...I'm NOT reading it wrong. I already called one office who had heard of that and told me they might as well do self-pay since they will charge my insurance over 20k, what a joke!

I am STILL LOOKING for people with this type of insurance...anyone?!

I work for Humana and we have a $5000.00 lifetime max after our deductible. I want the surgery but I have no idea how much it will cost me out of pocket. I think this is wrong and it should be changed. I had breast reduction and I only had to pay my deductible. I would think the Lapband would be better for my health in the long run. I am also having a problem with my PCP, she doesn't believe in it and I need her to write my history up, Good luck