Hello,

I have recently made the decison to have the lapband. I am looking for information from anyone who has used their secondary Insurance to pay for it. My primary insurance does not have coverage, however, my secondary throught my husbands retirement has the Obesity Ryder. They have stated because they are secondary they will not precertify me, because they are my secondary. Will a Doctor still perform the surgery without the approval of the insurance company. Please anyone who can give me some insite.:cool2:

Honestly, I don't know the answer to this. I know doctors will perform surgery on self-pay patients, but payment is required up front. They might require that you pay up front, then if the insurance does cover, you will get reimbursed.

Call and ask! If the secondary ins is a PPO or HMO pick a doc (or docs) from their list and call. As Susan said, probably they'll have you pay and then file for reimbursement, but maybe not!