?? for Self-Pay w/US surgeon VSG'ers

kkandrod · July 3, 2010

Hi y'all! Ok, so I'm wondering if any of you that paid for your surgery yourself and used a US surgeon would mind sharing how much your monthly note is if you financed? We can't afford more than a couple hundred bucks a month so I know interest rate will be key in making that happen but I'm just wondering if anyone's note is around that or less? We won't have much to put down on it in cash, if any, so I assume I'll be looking at anywhere from $12,500 to $15,000 financed.

Also, if any of you cash pay peeps happen to have UHC Choice Plus, do you know if they would cover any kind of complications or testing before/after surgery since you self paid and they didn't cover your surgery? Kinda worried about that now too. Don't want to wind up with a bunch of bills from testing before/after the surgery because they denied me coverage for it and then I went and paid myself. Thanks in advance!! God bless!

Krystal

kb6198 · July 3, 2010

In the same boat. I have UHC plus and they will pay for the blood work, EKG and all other test prior...but thats it

I am paying for it myself...using care credit...i was approved for 15,000 and my surgery is 14,350...lucky. I live in austin and really like my doctor so far. this cost covers everything. My doc also provides extra insurance incase something does go wrong, insurance wont cover that either. i will pay in total about 209 a month. let me know if i can help.

kkandrod · July 3, 2010

Hi kb! Thanks so much for responding! So, UHC paid for your testing beforehand but won't pay for follow up care that's coded as that nor any complications that may come from the surgery? You know, that just seems so wrong for them to do to people. I think it's ridiculous that they won't approve you between 35 and 39.9 without a co-morbidity. It's kind of like "duh, do this now and I won't HAVE any co-morbidities for you to have to pay for in addition TO surgery down the road".

Ugh, I'm just so aggravated about it all right now. So, I guess when I contact the surgeon I want to use I should ask about the extra insurance you mentioned in case something goes wrong. $209 a month isn't horribly bad. Can you get a "pre-approval" with care credit or do you have to have already met with the doctor and gotten all that taken care of before you can apply?

Thanks again for replying!!! I know there are lots of self payers on here but they may not want to share their financials in public so I appreciate you being so open!! God Bless!

Krystal