Please help.

[garciagiss 23]

I have been dealing with being overweight my entire life . I have been sitting on the decision to get this surgery for a year now and I finally did my research and spoke with my doctor . My doctor recommended Dr. Delacruz from University Of Miami, she sent the referral over and I just got an email from their office that my insurance (Florida Blue) does not cover it.. It actually excludes ANY weight loss surgery I talked to my employer and she said there is nothing that she could do... I spoke with my husbands insurance and they do not offer it either... I applied for financing through the hospital and they want to charge me 33% interest rate . I am so heartbroken. I don't know what to do. What are other options people have come across?? The surgery and doctor visits in total were estimated to be 17k

Edited October 21, 2015 by garciagiss

[magtart 603]

Self-pay in Mexico might be more affordable. There is a section on this forum all about it.

Good luck!

[Inner Surfer Girl 12,015]

Don't give up.

There are many options.

You can self-pay (you can save up, get a second job, delay purchasing a new car, borrow from family, borrow from retirement, etc.). You have to an carefully, but it is a possibility.

You can look for a job that has insurance that covers the surgery.

Some people choose to go to Mexico where the prices are lower.

One option that might be available that many people don't know about is your State's Vocational Rehabilitation program. If you are unemployed, under employed, or if you are at risk of not being able to do your job due to disability, this might be an option.

Don't give up.

[garciagiss 23]

Thank you for your kind reply! I will keep trying .

[2goldengirl 2,076]

33% is a mighty high interest rate. You may be able to do much better with a loan through your bank or credit union - or seek self-pay in Mexico.

[losing2win 23]

I'm in the same boat. I'm saving for the next few months. Mexico is an option, but I'll have to save for it, too.

[losing2win 23]

Have you considered saving and going to another state? I'll have to travel to South Louisiana and pay about $11K or to Dallas, TX and pay $12K. Both of these beat paying $15K-$20K where I live in North Louisiana.

Edited October 22, 2015 by losing2win

[newmebithebypass 713]

there are companies that offer loans for medical procedures based on credit you could look into one of those i dont know if its feasable for you but that is an option dont give up hope where there is a will there is a way

[Lexigurl82 160]

You can try looking for other insurance that does cover it...it's about that time for open enrollment so I would consider that. If not, going to Mexico is another option.

[thisfathasgot2go 235]

Check with your credit union for a lower interest rate. Since you are self-pay, negotiate a better price if you want to use that UM doctor.

[tstarkey704 21]

www.carecredit.com