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Denied by Premera Blue Cross, could use some advise regarding financing/ self-pay
light_lady posted a topic in Insurance & Financing
Hi Everyone, This is my first time posting! I have been visiting the site for a few years and finally decided that it was time to ask this hugely supportive and inspirational group of people for some advice regarding my situation.... I am 24, live in San Francisco, and am desperately trying to find a way to pay for my surgery. I have numerous weight related health problems but, because my BMI is 34.5 (not 35) I have been denied coverage by Premera Blue Cross. I have appealed their decision twice, with no luck, and am instead taking the self-pay route. I have been saving for 6 months because I know what a difference the band will make in my life, but Dr. Cirangle has quoted me $17,000 for the surgery (all inclusive) and I have no where near that much saved..... So, this brings me to my question! I'm looking for advice regarding financing, specifically Care Credit as I believe that is the only company Dr. Ciranlge works with. Which companies have you worked with? Would you recommend them? Do any of you have experience financing your surgery with a low credit score? Any idea what the score requirements are for various companies? Most sites use descriptors like "excellent, good, fair, poor, bad", which doesn't really tell me much. My fiancee has a score of 700 and is willing to apply for a loan for my surgery, he knows I've wanted this for a long time, but we are worried about being denied and having his score take a hit from applying for too many lines of credit. It would be wonderful to hear your stories and get as much information as possible! My 2nd consultation appointment is on April 2nd and I am very much hoping to have my surgery before May...... Thanks, in advance, for any information you have! I am so inspired by all of your stories <3 light_lady