No chance

changing · December 18, 2008

It is going to take a miracle to get the Lapband surgery done.My insurance (Aetna has an exclusion) will not cover it.My husband new fulltime job want cover it either.I only was approved for 2000.00 with care credit.I am so upset right now.I just feel like I am fighting a battle that can not be won.To have the surgery here is 17,500.00..I do not want to give up but it seems as if i do not have a choice.Please pray for a miracle to come my way.I am congratulate all those who have either had the surgery or will have the surgery.

cattoy71 · December 18, 2008

I, like many of us on this site, was self pay.

It is not easy to come up with and part with close to 20k, but many also consider it the best thing they have ever spent their money on.

My insurance simply did not cover bariatric surgery.

I found a great APR through Capital One credit and ended up financing the hospital and anesthesia fees while paying my surgeon's fee upfront. In total, my surgery cost 17k.

There are many ways to finance it, and believe me that people can get very creative when finding a way to pay for this surgery.

My humble advice to you is to stop praying for a miracle. Be creative and proactive into looking into all the different ways you can finance the surgery. Good luck.

changing · December 19, 2008

i would like to know what proactive ideas for getting finance is out there.

Locomotive Engineer · December 22, 2008

My advice would be to never quit praying!! Miracles happen every day! I will add you to my prayers. The power of prayer is amazing!!

nursekathy2u · December 25, 2008

It is going to take a miracle to get the Lapband surgery done.My insurance (Aetna has an exclusion) will not cover it.My husband new fulltime job want cover it either.I only was approved for 2000.00 with care credit.I am so upset right now.I just feel like I am fighting a battle that can not be won.To have the surgery here is 17,500.00..I do not want to give up but it seems as if i do not have a choice.Please pray for a miracle to come my way.I am congratulate all those who have either had the surgery or will have the surgery.

Just some ideas.. Care Credit and capital one will allow loans to be taken out for you in someone elses name. Could a parent, sibling or close friend get a loan for you? Some people borrow against their 401K. Some travel to another state where it is cheaper. (only $11,900 with my surgeon in Texas) Some got to Mexico where it is even cheaper than that. Some folks seek employment at companies whose insurance covers the surgery. And NEVER quit praying for your miracle!

Chris61 · December 26, 2008

ALso if you have medical flex spending you could do the max and pay for it there. Also if your husband has flex you could both take it out that way. Also keep in mind you can take it off your taxes after you meet the adjusted gross income of 7.5% need to go to the IRS web site and get that information. Just a few ideas to help you along. The company I work for just increase the flex medical to over 7,000.00 a year this is in accordance to IRS Guidelines. Good Luck with it. If you have any questions just ask away. Also check your medical plans most current edition. You might be surpised of the changes. When I first started the band was not covered and then 2 years ago I checked it again and found it was covered and the rest is history.

Chris

changing · December 27, 2008

thanks for all the advice.I have the option of doing the flex account.the most it will let me save is 2500.00 a year.I have sat down with my husband and he is going to work a lot of overtime(it there) to help me save the money.I have 2000.00on my care credit card.So i only need 15,000 more.So if i could sace 2000.00 a month and put all my taxes up i could have it all saves by May or June.It is going to be hard because my husband is a paramedic and he work 24 hour shifts and sometimes 36.He is will to do it.It just means the kids and myself want see him as often.he wants the procedure done to but he is willing to save so i can get it done.I figured it up last night and i think it may work.that way i am not having to go through the long process of doing a insurance waiting.I do not want to save money in the flex and end up losing it.i can not go to mexico because i do not want to be worried about aftercare.so wish me luck.i am going to start saving by opening up a money market account for 6 months and collecting pennies and any loose change i can come up with.i am not going to let a procedure that will help me live a healthier life for myself and kids be held up because of insurance.one way or another i am going to come up with the money.:hurray: