what insurance is the best?

[zimmersdreamer 0]

So I have made the descision to get a lapband. I have to take the steps and ask my current insurace if they cover it and what the requirements are. I see there are a ton of people on here that have insurance, what is yours? was there any set backs? would you, advise or think about, getting a second insurance to help cover the cost? I have insurence, HealthSmart, through my work, but have also considered getting a second plan, indipendant, to help cover the cost incase my plan doesnt cover it. If they dont cover it I am going to need to get one that does. Okay that sounds bad but...OOP is too much to consider. I still hjave student loans and really dont want to take out a loan but may have to if thats my only option. I am looking for possably getting banded in 2010.

[TinaM 0]

Before you go to much farther into your research I would strongly suggest talking with your medical team. Mine knew exactly what my insurance required prior to surgery for approval and what would be covered.

If yours isn't savvy with your carrier or they do not use this practice contact your carrier and have them go over the coverage with you.

I have learned that if you have an HMO you generally must go thru a 6 month preop plan under your medical team's watchful eye before approval.

If you have a PPO that is reduced to 3 months on average.

I have Aetna HMO and have spent $400 for the nutrtion ands psych visits as those aren't covered in my plan. I paid $50 a pay day and they were fine with it.

As for the surgery itself, $200 to the hospital and about $500 in doc fees all paid over time.

[zimmersdreamer 0]

well i called today and my insurence does NOT cover any weightloss proceedure:cursing:, and my employer, because we are coorprate, will not add it as a rider. SO i guess that i am going to have to start looking for an independant insurance that DOES cover it.

any suguestions?