LindsayLouLou

Unless Ochsner offers their own financing- I'm out! That's what's holding me back! My insurance excludes ALL bariatric surgery even if it's deemed medically necessary! My credit is good, but no bank will loan me $15,000 without collateral. I'm only 30- my retirement fund is not yet large enough to borrow against. And, no, I'm not going to Mexico. Any other ideas? I've had no luck finding private insurance that covers bariatric surgery......i'm all out if ideas. Carecredit doesn't cover the entire procedure.....

What private plans cover bariatric surgery?? That's where I'll be shopping for new insurance!

That's what I'm working on now! I'll keep you posted!

Not yet!!! I haven't tried to finance yet! I'll keep you posted... I feel REALLY selfish taking out a loan like that when we're in the process of buying our first home! I don't want to mess up our mortgage rate!

When I called Cigna today, they informed me that there are different "versions" of their OAP plan.... It all depends on what the employer purchases. And, no, my work won't add wls to their plan. I'm really devastated. I was SO excited. Thanks though!

I'm in the same boat- EXCLUDED!!!! I'm so bummed. My surgeon charges right under $9,000 for the entire procedure, hospital stay, pre-post visits, etc. I have NO idea how to finance this. I have nothing to offer as leverage.

So bummed out. I was notified that my plan excludes ALL weight loss surgery. "Regardless of medical necessity." I'm not sure what I'm going to do! The surgeon charges right under $9,000. My credit is 620. What bank is going to make a loan like that with no leverage?! Do banks consider medical loans different from private loans? Do they pay the hospital/surgeon directly?? I've never gotten a clear answer.

I only have 1 comorbidity, but my BMI is 41...

That is great! I also have a 2 year old! I've been worrying about taking care of her while trying to recover! My husband can help, but I'll be alone with her all day while he is at work! My parents won't be much help bc they don't agree with my choice to get sleeved..... Please explain how you got financed! I'm not sure what/ or if my insurance will cover the surgery. I've heard many people use carecredit (but that carecredit doesn't give you enough credit to finance the entire procedure). I've also heard of people getting private loans from banks, but what bank will give you a $9,000 loan for "private" use?! I have decent credit (620), but I don't understand how medical financing works! My surgeon/hospital does not offer financing directly- patients must find their own lenders. Any advice?

Thank you!!!!

Seattleslew- thanks! Did you have to do a 3 or 6 month dr supervised diet plan?

I can access my plan online. It says nothing about any surgery, except ALL physician recommended inpatient procedures 70% covered. The weightloss coordinator at the surgery center is contacting Cigna to get the exact details. I'm just wondering what all hoops I'm going to have to jump through!

I have Cigna Open Access Plus. My BMI is 41. The surgeons office is contacting my insurance co to see what portion, if any, they will cover. What all does Cigna require?? If they won't pay, how do you finance? I've read different posts where Cigna approves with 6 months of dr. supervised diet, some people say only 3 months, some say no wait at all! There are also people who say Cigna won't pay at all! I'm so worried! As far as financing goes, I have decent credit, but I've read where people get financed easily with one lender, but some people report having to find multiple lenders/take out multiple loans/sell their property! Ahhhh!!! I don't know how medical financing works! Please advise!

I have Cigna Open Access Plus. My BMI is 41. The surgeons office is contacting my insurance co to see what portion, if any, they will cover. What all does Cigna require?? If they won't pay, how do you finance??

I'm waiting to hear from insurance as well! I'm not sure what I'll do if my plan doesn't cover the procedures! I've heard getting financed is a nightmare! Keeping my fingers crossed! I have Cigna Open Access....