Westtexasdustdevil

Well lots going on. Found out that First Care, my insurance now, and BCBS, second insurance offered by my empl. will NOT cover this unless hell freezes over. I went to a seminar given by Dr. David Hall, here in Lubbock. Your right lots of info there. He has been doing Wt loss surgery for about 28 years but only doing lap bands for about 3 now. I have been looking for individual insurance pol. and dont know how to judge them. Most come out and say they will not cover this. But a number say they will. Has anyone heard of TeamCorp.com/ACI? They say they have been around for 27 years. They offer medical, dental, glasses ect. They told me that 1. If I take their insurance and wait a year I will be covered 100%. If I choose to do it now, they will neg. the best deal for me with the Dr. and hosp. and will then work out the best payment plan that I can afford. About 200/month for this ins. Not giving up yet. Rick

How much do they charge for this? How or where do you get in touch with them. Any down side? "If you don't mind my asking, why did they tell you that they would pay for it? Did they give you any reason what so ever?" Don't mind at all. Both BC/BS of Texas and Firstcare told me that they have never covered it and will not cover it (big period here.) No reason given. I even ask if they could direct me to a policy that they might carry that would pay. They said each state is different and Texas did not have a policy that would, for them. Thanks, Rick

Why did you give it up, sorry new and any and all info good for me to know. Thanks, Rick

Really, Tell me more. Thanks

See when I called they told me that their was no way they would pay. end of story, So what all did you have to do to finally get approved? This is easy for me to say so take it with a grain of salt. All of us fear the unknown, the what ifs, Its normal but if we let this fear control our lives and make the choices for us, then its not normal. Take a deep breath My grandfather always told us "Dont worry about the mule going blind, Just hitch up the wagon." Took me many years to understand. Dont worry about whats going or might happen, just get the things done now that you need to do. Take care, Rick

Patty, if you dont mind me asking, what insurance do you have?

Wish I could be in your spot. Understand how you feel but the first step is always the hardest. I would love to get this done. Right now it looks like the only way I can is Mexico and out of pocket. Take a deep breath and go for it. Rick

I just dont get it. I have BC/BS and called them today and they told me that NO WAY, FORM or FASHION would they approve this here in Texas. Called the main Office. Then I called First Care (work offers both) and was told the same thing. Whats the trick? Rick, Lubbock, Texas:sad:

I am thinking about having this done and would like to know the + and the -'s. Did you have to pay out of pocket or did ins. cover any of the cost. What is the cost of the surgery? What kind of wt loss is normal and over what period of time? Are you limited in your daily activities? Any and all information would be greatly excepted. Thanks Rick