We are a self pay state-no help from the law!

heavenlyceleste · January 19, 2008

You will all understand! The laws in GA protect the insurance companies and not us patients! After 6 mos of deliberating we finally decided my health was more important than money and took a $12K home equity loan and a $6k medical loan to pay. My monthly payment will be $388 for 4 years and then $218 for the next 3 years. I think it will be worth it. I did lots of research on the laws in GA and basically-unless you work for a large company that pays for it's own insurance-you are out of luck. If anyone out there thinks I'm wrong-please tell everyone!

If your plan has bariatric surgery as an exemption-there is no appeal process. THere is no law to protect you no matter how medically necessary the surgery might be.

ugagirl · January 20, 2008

Hey there-I live in Georgia and work for a large company that pays for its insurance...do you know if there is any appeal process I could work on? I'm self-pay too and extremely frustrated about it, but pushing forward and focusing on my health.

heavenlyceleste · January 20, 2008

My understanding is that it depends on the language of the contract. You need to find out what the appeal process is. There is a group in CA that might be able to help you, called Obesity Law - Obesity Law and Advocacy Center.

If it is a standard GA contract you probably don't have any options but if there is something different because they have their own policy you might.