Policeman116

As I stated last my insurance will only cover $15000 total for weigh loss surgery. I got a estimate today for $23000. I was told by the hospital that they have a agreement with my insurance for a discounted price. The problem is they told me they could not tell me what that price is because it is a agreement with the insurance company and them. So I called my insurance company and asked them. They also stated I was not "privileged" to that information but they have entered agreement with the hospital for a discounted price. I asked why I can't get that information and they told me it was confidential. So I became a jerk and told asked them what right do they have to withhold information. Long story short I talked to mutable supervisors and got no where. Any suggestions?

My surgeons assistance is forwarding the issue to the bariatric center. She has been a god sent and she has been fighting for me a lot. As for my department, the person in human resources that job is to fight the insurance company is a tool. She finds ways to keep us from having stuff like this. It is a appointed position.

My deductible is $200 and when I reach $500 they cover 100% up to $15000. I asked how much it would be out of pocket and was told they can only give me a estimate of $23000. She said they they will not tell her the negotiated amount because they will not tell her. Total out of pocket would be around $8000. They want a total of $5000 down. A side note is that they have a self pay package of $19500. I am just hoping they will take the $15000. I am willing to pay for the fills and doctor visits. I hate dealing with insurance. I don't understand it. I don't get sick. I am in good shape just kinda well, fluffy.

Well my LAP-BAND® adventure is over. I can't get the hospital to tell me how much it is going to cost. When I try they tell me it could be $20000 to $30000. I can't get any straight answer and it comes down to I can't afford it. I am very depressed about it. Like I said, I seen a light at the end of the tunnel and it was slammed shut. What really makes me mad is if I was a self pay they offer a package deal that is $19000 but since I got a insurance approval they will not give me that. I will stick to dieting and working out. Right I workout 6 days a week for 2 to 4 hours each session. I am bulking up with a lot of muscle but I just can't get the fat off. Even with a insane about of running and cardo. Right now I have my doctors dumbfounded on y I am not losing fat. I just wanted to thank everyone for for their help. I guess I was born fat and will die fat, that's life. Thank you everyone for your time.

As I stated last my insurance will only cover $15000 total for weigh loss surgery. I got a estimate today for $23000. I was told by the hospital that they have a agreement with my insurance for a discounted price. The problem is they told me they could not tell me what that price is because it is a agreement with the insurance company and them. So I called my insurance company and asked them. They also stated I was not "privileged" to that information but they have entered agreement with the hospital for a discounted price. I asked why I can't get that information and they told me it was confidential. So I became a jerk and told asked them what right do they have to withhold information. Long story short I talked to mutable supervisors and got no where. Any suggestions?

PS: Key the Rocky music :thumbdown::mad5: I'm back in the fight!!!!

Since Donna is so mad at me I will not give up. I have shopped around the area and the prices are about the same. I really can't travel because work will not give me the time off. So has anyone used care credit? My doctor is not listed. The reason I want to stay with her so badly is because she is considered one of the best in the courty. In my profession I can't risk having a slippage or so on. How does care credit work? I am kinda of dumb when it comes to insurance and stuff like that. I don't get sick often. And thank u Donna I need to quit felling sorry for myself. :thumbdown:

Well my lap band adventure is over. I can't get the hospital to tell me how much it is going to cost. When I try they tell me it could be $20000 to $30000. I can't get any straight answer and it comes down to I can't afford it. I am very depressed about it. Like I said, I seen a light at the end of the tunnel and it was slammed shut. What really makes me mad is if I was a self pay they offier a package deal that is $19000 but since I got a insurance approval they will not give me that.:thumbup: I will stick to dieting and working out. Right I workout 6 days a week for 2 to 4 hours each session. I am bulking up with a lot of muscle but I just can't get the fat off. Even with a insane about of running and cardo. Right now I have my doctors dumbfounded on y I am not losing fat. I just wanted to thank everyone for for their help. I guess I was born fat and will die fat, that's life. Thank you everyone for your time.

Well I got my insurance approval from my insurance company in 3 days. I was told that my insurance would cover everything and I was told the day of approval they are changing our coverage to only cover $15000 total for everything. This means that once they reach $15000 they will no longer pay. I was told that it could cost around $20000 to $25000 for the surgery. That mean all the fills and follow ups is out of pocket. It also mean that if complication and have to have it removed or replaced they advised me if I am past the $15000 point it is all out of pocket. Well this sucks but here is the questions How much does a fill cost? How often do you have to go to get a fill? How much did everyone els pay for their surgery? Would anyone know where I can find out how much payments would be for $10000 of the surgery being financed? I know I am asking a lot but they truth is I don't have a lot of money, cops are paid so well. I need estimates and help in general. I just fell like I seen a light at the end of the tunnel and someone slammed it shut. Any answers, help, and suggestions would be very appreciated. :tongue2:

What is the negoiated rate?

What is the negoiated rate rate

I am going to St. Vencent bareatric center in Carmel, Indiana. I am just wanting to know if anyone has been banded there if so how much did it cost? All I can find on line is a rang of $17000 to $30000. Thanks in advance.

On Dec. 3rd of this year I go for the 1st consultation with my surgeon. I don't know if my insurance will approve me but I fell this is my last chance of being "normal". I have been overweight as long as I can remember. I have tried every diet you can think of since a little kid. I want to be able to go to the Buckle to buy cloths. I want to fell comfortable in my own skin.

On Dec. 3rd of this year I go for the 1st consultation with my surgeon. I don't know if my insurance will approve me but I fell this is my last chance of being "normal". I have been overweight as long as I can remember. I have tried every diet you can think of since a little kid. I want to be able to go to the Buckle to buy cloths. I want to fell comfortable in my own skin.

I am a cop. I only get two weeks of vacation. Is that enough time for recovery? The problem is if this isn't enough I can't have the surgery.

:blink:I don't know what to do. Just a little background I am 27, 6' tall male that weights 300 lbs. I run 3 to 5 days a week and lift weights 6 days a week. My lean weight is 230 lbs (body fat test). I am in law enforcement and the way things are going right now I have been chasing people and jumping fences about every night now. I have no problem catching people or getting over stuff. I am tired of being fat and went to my doctor to talk to him about Adipex and weight loss. The first thing he suggested was the lap bad. The reason I am having so much trouble is with my extremely heck tick life style I am lucky if I get a dinner break and I eat what ever I can get my hands on. What it boils down to is I battling depression because I can't stand the way I look. I have heard the lap band is not as successful as once thought, that most people are gaining the weight back soon after they lose it. I don't know if I should have the surgary or not. My main questions are how long is the recovery period? I only get two weeks of vacation next year and my brass will not look kindly if I have to call in sick for this type of surgery. Also, do a lot of people have complication with this surgery? Is there some foods that you can never eat again? Any comments would be helpful. Just looking for a little guidance.

Well I did it. After talking in the chat room and reading a lot of threads I decided to start the process of getting the band. About a year ago my doctor wanted to set me up for a consult with a surgeon. I didn't want to be cut up and I was going to be gone for over 4 months for training so I told him no. I have been researching the procedure for about a year now and still didn't think it was for me. I found this website and started reading about everyones experiences and how the band changed their life. After reading real people talk about their real experiences I realized the band is the perfect option for me. I was to thank everyone for helping come to my decision. The reason for this thread is because I am wanting to know what to expect on the first visit with the surgeon? Is there any question I should ask? Any suggestions would be very helpful.