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02-17-2010, 10:31 AM
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#1 (permalink)
| | Newbie
Join Date: Feb 2010
Posts: 4
Height:
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I attended the seminar last night for the surgeries. It was very interesting and I learned alot of information. My dad recently had gastric bypass and is so happy with his results. I was really looking forward to this surgery but I have called our insurance company 3 times now and it says weight loss surgery is excluded. Basically there is nothing I can do to get them to help pay for it, so we would have to pay out of pocket. My husband wants to support me and does, but I do not think we can swing the extra $250-$300 a month payment, plus all the money we would have to pay upfront before the surgery even took place. I really had my heart set on this and I do not think we will be able to make it possible. Stupid insurance.  | 
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02-17-2010, 12:18 PM
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#2 (permalink)
| | WLS Master Guru
Join Date: Apr 2009 Location: Big Sky Country~Montana
Posts: 873
Weight Statistics Sept 2008 Start Date:
Oct 13, 2008 Surgery Date:
5' 7"
Height:
450 lb Start Weight:
306 lb Current Weight:
180 lb Goal Weight:
144 lb Weight Loss:
126 lb Lb Left to Lose:
32 % % Lost:
in late 2010 Goal Date:
Body Mass Index70.472265538 BMI Start:
47.9211405658 BMI Current:
28.1889062152 BMI Goal:
Weight Loss MethodRoux en Y Gastric Bypass
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(((((((hugs))))))) I know it seems impossible right now, but don't give up on your hopes. There are possibilities to set up really good financial assistance through the medical centers, and even some insurances that have changed their policy and started to allow surgery when they never used to. Changes can happen and things can come up at any time, that might completely change your dilemma.
So don't give up. Hang in there, and in the meantime while you are contemplating and trying to make a way financially, start working on what things YOU can do physically and mentally right now, so that when time does come around and you do find a way to get surgery paid, you will be good and ready for it. There is alot of things you can do now to help you later.....
You have my best wishes. Stick around, this is a grand support group site, and there is a ton of information and success stories shared, to help get you hyped up and keep you hyped up as you prepare for your new future.
__________________ RC  Make a difference!
Attitudes are contagious... is yours worth catching?
my website | |
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02-17-2010, 04:59 PM
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#3 (permalink)
| | WLS Guru
Join Date: Mar 2009 Location: New Hampshire
Posts: 481
Weight Statistics July 3,2008 Start Date:
March 18,2009 Surgery Date:
5' 11"
Height:
514 lb Start Weight:
256 lb Current Weight:
220 lb Goal Weight:
258 lb Weight Loss:
36 lb Lb Left to Lose:
50.1945525292 % % Lost:
Body Mass Index71.6806189248 BMI Start:
35.7008530054 BMI Current:
30.6804205515 BMI Goal:
Weight Loss MethodRoux en Y Gastric Bypass
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Don't give up!! New Hampshire just made it mandatory that all insurance companies be forced to add it to their policies for coverage. Maybe it will happen in your state soon.
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02-17-2010, 05:03 PM
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#4 (permalink)
| | WLS Guru
Join Date: Dec 2009
Posts: 393
Weight Statistics January 20, 2010 Surgery Date:
5' 8"
Height:
324 lb Start Weight:
216 lb Current Weight:
180 lb Goal Weight:
108 lb Weight Loss:
36 lb Lb Left to Lose:
33.3333333333 % % Lost:
u can't rush a good thing Goal Date:
Body Mass Index49.258650519 BMI Start:
32.839100346 BMI Current:
27.365916955 BMI Goal:
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*hug* Keep the faith!!
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02-17-2010, 05:17 PM
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#5 (permalink)
| | WLS Master Guru
Join Date: Jan 2010 Location: Vacaville, California
Posts: 643
Weight Statistics January 4 2010 Surgery Date:
6' 1"
Height:
310 lb Start Weight:
199 lb Current Weight:
190 lb Goal Weight:
111 lb Weight Loss:
9 lb Lb Left to Lose:
35.8064516129 % % Lost:
Body Mass Index40.8951022706 BMI Start:
26.252017264 BMI Current:
25.0647401013 BMI Goal:
Weight Loss MethodRoux en Y Gastric Bypass
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My BMI was borderline for approval but since I had high blood pressure and sleep apnea it went through. Does your insurance deny all wls proceedures under all circumstances? Might be worth talking to your doctor about.
Thor
__________________ 345 at my heaviest in 2008  | |
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02-17-2010, 05:19 PM
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#6 (permalink)
| | Seasoned Veteran
Join Date: Jul 2009 Location: North
Posts: 2,180
Weight Statistics August 20, 2009 Surgery Date:
5' "
Height:
210 lb Start Weight:
102 lb Current Weight:
110 lb Goal Weight:
108 lb Weight Loss:
-8 lb Lb Left to Lose:
51.4285714286 % % Lost:
August 2010 Goal Date:
Body Mass Index41.0083333333 BMI Start:
19.9183333333 BMI Current:
21.4805555556 BMI Goal:
Weight Loss MethodRoux en Y Gastric Bypass
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Hang in there. Have you looked into clinical trials?
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02-17-2010, 05:24 PM
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#7 (permalink)
| | Seasoned Veteran
Join Date: Jan 2006 Location: Oklahoma City, Okla USA
Posts: 2,549
Weight Statistics 05/17/02 Start Date:
05/17/02 Surgery Date:
5' 5"
Height:
355 lb Start Weight:
190 lb Current Weight:
175 lb Goal Weight:
165 lb Weight Loss:
15 lb Lb Left to Lose:
46.4788732394 % % Lost:
Body Mass Index59.0686390533 BMI Start:
31.6142011834 BMI Current:
29.1183431953 BMI Goal:
Weight Loss MethodRoux en Y Gastric Bypass
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if it IS possible to set up payments and do all that up front, do it! I had to wait nearly 9 full months before surgery and think about it..some in Canada have a mandatory waiting period of 2YEARS!
It's not something you just decide and do...it would be worth it knowing that you paid for it yourself for YOU and made it through..but in the meantime start researching your insurance company and see if it is an across the board OR if there ARE circumstances they will pay for it.
__________________ 
(Spring 2004)
(lowest body weight/size) --BREE
- Strength in body is fleeting, but MY strength is from the LORD whose strength never weakens...
--------------------- open RNY 5/17/2002 -166 lbs(-200 at lowest) 8 years post in May 2010
Open major abdominal surgery 4/6/2010 for internal hernia release, extensive scarring removal & Appendix removal
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02-17-2010, 07:32 PM
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#8 (permalink)
| | Newbie
Join Date: Feb 2010
Posts: 4
Height:
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Quote:
Originally Posted by Thor  My BMI was borderline for approval but since I had high blood pressure and sleep apnea it went through. Does your insurance deny all wls proceedures under all circumstances? Might be worth talking to your doctor about.
Thor | Nope they said it's excluded so and even with a dr referral they will not cover it. It's just such bull, apparently they would rather pay for future problems.
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02-17-2010, 07:35 PM
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#9 (permalink)
| | Newbie
Join Date: Feb 2010
Posts: 4
Height:
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Quote:
Originally Posted by BreeChick if it IS possible to set up payments and do all that up front, do it! I had to wait nearly 9 full months before surgery and think about it..some in Canada have a mandatory waiting period of 2YEARS!
It's not something you just decide and do...it would be worth it knowing that you paid for it yourself for YOU and made it through..but in the meantime start researching your insurance company and see if it is an across the board OR if there ARE circumstances they will pay for it. | Thanks! Dh and I are going to sit down tomorrow and see what we can come up with. Our insurance is an HSA (health savings account), so we could pay our monthly bill (or part of it) from that, but we wouldn't have anything left in there for regular dr and dentist appointments, ect. We shall see, I am really hoping DH and I can make this work into our budget.
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02-18-2010, 02:59 AM
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#10 (permalink)
| | Super Moderator
Join Date: Nov 2005 Location: Tokyo, Japan
Posts: 24,791
5' 5"
Height:
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NEVER give up, where there's a will, there's a way.
It may not be there in the immediate future, but if you give up, it will never be in your future. Even if it takes a couple of years, work on reverting the insurance situation if you must.
(((((HUGS))))))
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