WLS is excluded by my Company

[Guest MHRIVNAK]

I have really tried hard to lose weight on my own and tried so many diets it's unreal. I've been going to the gym 3 to 4 days a week for some time now, changed my eating habits (eat a lot less) and healthier and still can't get the weight off. This was my last resort and I find out today that my Copany has 3 insurance coverages to chose from and all exclude WLS. In my immediate financial situation there is no way I can afford another pay out. I guess I will have to keep trying myself. This is so depressing.

[Iluvharleys 15]

I'm sorry you don't have coverage. I didn't have any coverage either, but I did find a credit card that offered 0% interest for a year. I took that out and then when the year was up I found one that was 3% so I transferred it to that one. Hopefully you will find some way to come up with the money. Good Luck!

[snarlene0214 0]

I also found that my insurance had an exclusion. But as I always do in my life I have forged ahead and found a way. This is not always because I am motivated. Mostly it is because I am stubborn.

Since self-pay is my only option, I have borrowed against the cash value in my life insurance and will have lap-band surgery on 2/10/06 in Mexico.

Just making the decision to go ahead with the surgery is like lifting a huge weight off of my shoulders. (no pun intended)

[Guest MHRIVNAK]

Thank you both for input. It keeps me hopeful that my time will come. Snarlene, good luck on your surgery and keep us posted on how it goes.

[ReneBean 3]

Do you have a 401k you can borrow against? A house? I know that increasing the debt-load is not a great idea for most people, but if the payments were low enough, some of it would be offset by your reduction in food budget.

I know that for the last few years, I have budgeted $200/mo for lunch money. If I got a band, I could cut that in half easily - or even cut it out and bring lunches. In the end, that may be what I have to do.

I am currently waiting for the State of CA to finish their independent medical review of my case, to see if the two denials from Blue Cross can be overturned...

Good Luck!!!