Anyone have a $7,500 lifetime limit?

[Guest BikiniBeachy]

My insurance says they only cover $7,500, and the first office I called said it would be CHEAPER to go self-pay cause they charge the insurance company twice as much than their self-pay rate.

Anyone have this cap on their insurance, and how much did you have left over to pay?

[vegwannabe 1]

Huh? That just doesn't sound right. What good is the insurance if the "lifetime limit" is only $7,500?!?

Clarify whether they are saying...

1. They will pay $7,500 towards the cost of the Lap Band procedure, or

2. If your annual deductible is $7,500, or

3. If your annual maximum "out of pocket" is $7,500, or

4. Over your lifetime of coverage under the policy, you can only get sick $7,500 worth.

That's wacked!

[MacMadame 81]

My insurance has a lifetime limit of 2 mil. But it's group insurance through my company. Lots of times private policies have a much smaller limit.

[Guest BikiniBeachy]

It is $7,500 towards bariatric surgery...and yes...I'm NOT reading it wrong. I already called one office who had heard of that and told me they might as well do self-pay since they will charge my insurance over 20k, what a joke!

I am STILL LOOKING for people with this type of insurance...anyone?!

[toribug1 0]

I work for Humana and we have a $5000.00 lifetime max after our deductible. I want the surgery but I have no idea how much it will cost me out of pocket. I think this is wrong and it should be changed. I had breast reduction and I only had to pay my deductible. I would think the Lapband would be better for my health in the long run. I am also having a problem with my PCP, she doesn't believe in it and I need her to write my history up, Good luck