Completely Devastated

[rredrruby87 27]

So I just got switched from my parents insurance to a new insurance through my employer since im 26 now and I have been making doctors appts going to seminars to have the gastric sleeve. My heart was set on this and I thought for sure no problem my insurance would pay for this i have high blood and many other problems. I had a 4 hour doctors appt set for next week to make my round of appts since my doctor has most everything in house. So i call my insurance this morning and ask about coverage and told me No they DO NOT cover it whatsoever... Im completely devastated and have had my heart set on this for awhile now, there is no way! i could do self pay...So needless to say does anyone know of any other options?! can i get obamacare insurance as a secondary? will they pay? i know they cover it in maryland but idk if they will cover it as a second insurance and that seems a little expensive to pay for 2 monthly premiums idk if i could ever afford that :'( im so upset this ruined everything

[Skinny in Here 83]

Is continuing on your parents insurance with COBRA an option? The rate would be high, but much less than the surgery.

[Carlotta 57]

Read post recently posted,.. States that will cover baractric surgery with obamacare..posted by bobheist 40 min ago.

[rredrruby87 27]

Carlotta- i seen the post but sometimes a secondary insurance wont cover something if the first one doesnt

[Bufflehead 6,358]

This article says you can get insurance through an exchange even if your employer offers you insurance:

http://www.npr.org/2...op-for-coverage

Whether that means you have to completely give up your insurance from your job and just have the ACA exchange insurance, I don't know. You might want to get in touch with an insurance navigator or insurance agent for your state to talk details.

The article does point out that the exchange insurance will probably be more expensive for you, since your employer won't be contributing anything. You'd have to weigh which is more expensive: buying your own insurance, or self-paying for a sleeve. Good luck!

[reshiapooh96 31]

I was devastated too when my insurance said NO to the sleeve but yes to RNY. I have a failed band right now and wanted to convert to the sleeve per my Dr. I never really wanted RNY but since they are still looking into the sleeve and won't pay for it now, I may have a long, long wait before they will reconsider paying for it. In my case, due to health reasons I'm considering by-pass. I am a low weight, so I am concerned. Will your insurance pay for RNY?