Anyone Else Going 'off Insurance'?

[mommatbird 0]

Today I cried (bawled) on the phone when the nurse called and told me there is something written in my insurance that says it will not cover any type o bariatric surgery. Period!

I felt like something so close was snatched away from me just like that. My husband works for the city and they have excluded bariatrics for cost reduction.

So now I go self pay. It will be a struggle but this is how much I want this. Hubby wants it for me as well and has offered to cash in a retirement fund from a former job of his.

I feel guilty to take this away from him but this will keep my health costs down in the future.

[highland 168]

Same thing happened to me six years ago. After going thru ALL the preop tests I was i formed my employer had an exclusion in our policy for WLS. Five years later I had my band placed as a self pay. So sorry I didn't do it six years ago!!!! You will not regret spending the money!! Good luck!!

[steph1967 13]

I was a self pay also.my granfather gave me the money as a gift because he was so concerned with my health.On my self pay my entire pre op testing, entire surgery and 1 year of fills and checks and lifetime with dietician and weight loss nurses was included in the cost. I do not regret spending the money and in my mind I think it kept me on track better because I felt like not only did I need to do this for my health but because I used money my grandpa worked hard to get and so far I have done well for 4 yrs lost 230 pounds and I feel great and my grandpa has passed away but I know he is proud and knows his money was well spent.

[ashily 0]

Health costs is so important to us.

[Amy O 7]

The same thing happened to me, two years ago halfway through the process I was informed that my employer had an exclusion of bariatric surgery for any reason. So, I decided to wait, save money, and educate myself as much as I could. During this time I met the man of my dreams who just so happens to have awesome insurance that does cover it, so after our wedding in October I will start the whole process over. If it's meant to be it will happen!

[godete 5]

@mamabird. I with you too I have had the hardest time getting in contact with my ins and have decided to pay for it. I'm going to get a loan to fin it myself. That's how bad I need it. Mentally more than physically. Don't take it from any retirment fund you'll get screwed on taxes.

[EverythingToGain 11]

I am doing it self-pay as well. The way I look at it is I need this to live a full and fulfilling life. I want to be around for my kids and my husband so it will be well worth it in the end. Writing that big check won't be fun but I AM WORTH IT!!

[ontherighttrack 13]

Sorry to hear that. I know that is hard to hear. I was self-pay as well and chose to go to Mexico to save money after doing much research and finding a doctor I felt comfortable with. I'm not trying to suggest that but it might be something worth looking into and seeing IF you are comfortable with that route. Also, my insurance has strictly no bariatric coverage but I just had my first fill since having this insurance and they ended up covering it. I had to pay up front but the office submitted the paper work and they ended up covering it and I get reimbursed I think the office put it as a consultation or specialist or something so I guess it didn't show as bariatric. Even though fills aren't the main cost, at $200 per visit, it does add up.