mel1106

I started the process with my Dr to get the Lap Band. I was really super excited and went to the seminar at the surgeon's office that would be doing the procedure. At the seminar, I learned that while the procedure is "covered" by my insurance, the cost out of pocket for me is $11,000. The cost of the entire surgery is $18,000. My insurance will only cover $7,000. I am a single mom of a four and six year old. I can't afford to ge the surgery. I don't know what to do. I can't even barely cover my bills now, so financing is not an option. Just wondered if anyone has an idea I haven't thought of for paying for this..... any help/suggestions would be greatly appriciated!

It's an HMO benefit. There is only one surgical weight loss Dr or group in town they use, and one hospital. The surgeon's price is very good. It's just terrible that they won't cover the cost of the anestesia, and only 50% of the hospital cost. These are people and places that would be covered if it were a "non-elective" surgery. But for me it's NOT elective! I HAVE to do this. I don't know any way to make them see it. It makes me cry. Oh, and thanks for responding! I really appriciate it so much!!

Oh, man... I don't even know. The rep i was speaking to started droaning and all I heard was ELEVEN THOUSAND DOLLARS! I do know they don't cover the cost of the anestesia, and only cover 50% of the cost of the hospital expense. That's pretty much all he said. I am still moving forward as far as the leaps and bounds that are required to cover just the $7000 they WILL cover.....