Taking out private insurance just to cover surgery.

[KJones1122 1]

Of course my work insurance doesn't cover the surgery and I'm not comfortable going to a different country. My self pay around my area is about 30k. During open enrollment next month I'm going to get a private insurance just to cover my sleeve. Has anyone else done this? May I ask what your monthly rate and deductible was?

[Bufflehead 6,358]

I haven't done this but I know someone who did. I don't know her deductible and monthly premiums, but I will ask her and report back. One thing I know it is important to do is make sure the private health plan you buy covers bariatric surgery -- most do not. Only some states require that their Affordable Care Act (Obamacare) exchange plans cover bariatric surgery. Here's a site where you can check whether your state plans are required to cover bariatric surgery:

http://nofusa.org/news/health-insurance-cover-obesity-treatment/

eta: I heard from my friend. She lives in Arizona and is 44 years old, nonsmoker. She bought a gold plan and paid $372/month, $2500 deductible and $4000 max out of pocket cost. She also reminded me that she actually didn't buy it specifically for the surgery, she needed healthcare as her work as an independent contractor did not provide any other option.

[KJones1122 1]

Thank you!

[JessaP 2]

I'm in the exact situation. Gonna call my insurance today to get information. My open enrollment starts tomorrow so I gotta make a decision asap!!