Need advise/loan pending/Self Pay ?

[Beajay 7]

Please note: I posted this message under finance and insurance as well:

My insurance will not cover the cost of WLS, so therefore I had to take out a hardship withdrawal from my employer's healthplan. The loan is pending, based upon the surgery being medically necessary followed with a statement from the doctor. My doctor will willing to do the surgery using the selfpay option. I have a BMI of 40 but no commodities. I am soo afraid that I will be denied,this is my last hope. Not sure how to get around this hurdle. I am sure that bariatric WLS will be looked at as cosmetic. Any suggestions, before I contact my MD? Has anyone else been faced with this obstacle?

[FloraBama Girl 116]

Bariatric Pal has Medical Tourism packages for Tijuana MX. Contact bill@bariatricpal.com and he can go go over all the options. My revision from sleeve to Mini Gastric Bypass costs $5399 plus my airfare.

[JamieLogical 8,727]

Do you have a retirement account? My retirement account allows me to take out loans against my retirement up to 45% of the total invested. Then I am basically paying myself back with interest (TIAA-Cref takes a small percentage). It's how I was able to get the money for my self-pay in Mexico.

[PrettyThick1 1,860]

Please note: I posted this message under finance and insurance as well:

My insurance will not cover the cost of WLS, so therefore I had to take out a hardship withdrawal from my employer's healthplan. The loan is pending, based upon the surgery being medically necessary followed with a statement from the doctor. My doctor will willing to do the surgery using the selfpay option. I have a BMI of 40 but no commodities. I am soo afraid that I will be denied,this is my last hope. Not sure how to get around this hurdle. I am sure that bariatric WLS will be looked at as cosmetic. Any suggestions, before I contact my MD? Has anyone else been faced with this obstacle?

You don't need any comorbidities with a BMI over 35, you'll be fine just have faith.

[Beajay 7]

Thanks so much for the suggestions... I now have options to choose from. Will keep you posted.

[LisaMarieVSG 4]

@@Beajay Have you heard back weather or not you were approved for the 401K medical hardship withdraw? I'm in the same boat as you and wasn't sure if it would be approved, I was told it may be consider cosmetic surgery & if so it will be denied. I have a BMI of 35 with no commodities. And since I don't meet my insurance requirements. Self pay is my only other option & Mexico has better VSG pricing compared to the United States.

[Beajay 7]

PM me....I will be happy to share.