Stinkin Exclusion....

[lapnicky 39]

My policy through my employer also had an exclusion. I went outside of the employer plan and purchased an individual plan on my own through BCBS who covers Bariatric surgery without any problems. My monthly co pay was about $100 more a month but well worth it. Going this route I was able to not touch my 401k or take a high interest loan. In about six months when my company has open enrollment again and post surgery I'll jump back on their plan for lower rates.

[lapnicky 39]

I was effective 1/1/14 with new BCBS and approved for surgery 1/14. Surgery date is 2/10. Not bad timing and no questions asked with my new individual plan. It went smooth as a babies butt.

[sleeve30 33]

Which BCBS you purchased?

[LindsayLouLou 3]

I'm in the same boat- EXCLUDED!!!! I'm so bummed. My surgeon charges right under $9,000 for the entire procedure, hospital stay, pre-post visits, etc. I have NO idea how to finance this. I have nothing to offer as leverage.

[cutiepieinchi 158]

^{I would def look into getting a policy that includes bariatric surgery. I know that BCBS does.}

[LindsayLouLou 3]

That's what I'm working on now! I'll keep you posted!

[CurvyCakes 269]

Exclusions totally suck! My daughter went through this with Aetna about a year ago. Open enrollment we switched to my husbands plan which is UHC anddddddd I've jumped on board to have VSG as well. Far less stringent then Aetna and I was approved within 3 days of submission to UHC for approval.

[vogue 310]

Exclusions totally suck! My daughter went through this with Aetna about a year ago. Open enrollment we switched to my husbands plan which is UHC anddddddd I've jumped on board to have VSG as well. Far less stringent then Aetna and I was approved within 3 days of submission to UHC for approval.

Aetna most certainly approved bariatric surgery. It's your employers contract that would cause the exclusion

[LindsayLouLou 3]

What private plans cover bariatric surgery?? That's where I'll be shopping for new insurance!

[sleeve30 33]

Make sure to check the benefits covered. I just applied and I'm waiting to hear from them.

[cutiepieinchi 158]

What private plans cover bariatric surgery?? That's where I'll be shopping for new insurance!

I know some bcbs does cover..it usually has a higher premium though. Bcbs has faster approvals,especially if your bmi is over 40.

[Jersrose43 837]

You know Aetna, united and Cigna all customize their plans for the specific employer. So it's your employer who is refusing.

Couple options

Get on hubby plan if possible

Go on the healthcare.gov pick up a plan temporarily for yourself for a year. Get the surgery and drop it. It may be cheaper than a loan nj the long run

[rosasmotherer 2]

Self pay insurance is the best way to go. I have B/CB/S of MI ppo. My premium is $200.00 a month with a $300.00 deductible, my out of pocket is $1200.00. It's the best way to go!

[sleeve30 33]

Self pay insurance is the best way to go. I have B/CB/S of MI ppo. My premium is $200.00 a month with a $300.00 deductible, my out of pocket is $1200.00. It's the best way to go!

Wow nice I have $1000 deductible and $2500 total out of packet.

How fast were you approved?

[rosasmotherer 2]

I haven't been approved yet. I need a phych evaluation. I'm sure I will get approved I just need to stop smoking. I have acute reacquiring pancreatitis. I don't drink it is food that does it.