More Crud!!!!

So today I found out that I am going to have to pay for everything out of pocket and then fight our insurance to get reimbursed. Ugh! Im not sure if my mother is financing any of this now. I called and talked to her today and Aunt Thelma has pretty much talked her out of surgery. I told Wade that I was getting surgery, no matter what, even if we had to get a title loan on the car. I mean our car is worth more than the cost of surgery. But then there comes the stress of paying it off. But I guess I dont really have time to stress about the financial part of it. To tell you the truth it is pretty hard not to worry about it tho. Ugh! If I dont get the surgery I am going to die. If I do, then we are going to owe a bunch of money to someone so we dont lose our car. I just want to cry. Im so sick

I am so sorry about your insurance. Can you just take a personal loan from the bank instead? The good news is that you can pay off the loan when the insurance reimburses you. Keep your chin up, it will work out. Cindee

You might want to check with your doctor's office. Mine has an agreement with a finance company that will finance WLS. And then pray...that might sound silly...but I prayed and prayed...a week before surgery I was told that the money I was waiting for was going to be delayed..then the very next day something else came thru. I felt the same way you do. I felt that if I didn't have the surgery I would die. My chest was hurting...it was so hard for me to breath....and as for walking anywhere...well...let's just say that was not an option! I already feel a difference. My husband even notices that I am breathing better...especially at night. You are in my prayers... Myrna Arabie 4/3/06 345/335/?

Hi, Sorry to hear about your ins. I have heard that Capital One is real good about giving loans on medical issues. They have lower intrest rates and that way you be putting your car on the line. You do have to ask for a Medical loan, to get the special rates. Something to think about. No matter what it cost, you are worth it!! Keep trying! don't give up. Hugs to you, Perry W.

Hi Jennifer, You hang tough..I agree check with your Drs office they usually have some financing available. Keep good thoughts Marianne

Hi Jennifer, I am right there with you. I work for a Health care system that owns 7 hospitals, but they have a rider in all of their employee insurance policies that specifically denies all benefits that have to do with weight loss surgery. I also feel like I am going to die if I don't have the surgery. During my research into all this I couldn't decide whether I was more scared of having the surgery or not having the surgery. I just kept taking the next step and asking for guidance until I knew what to do. I scheduled the surgery and took the money out of my IRA. Yes, the penalties and taxes are going to be high, but the medical costs will be deductible and if I don't have the surgery I might not be around to use my retirement funds. I thought about a loan, of course, but decided that this is money that is already mine and I just can't take any more monthly payments. I still fell like I have made the right decision, but every day it seems like the price is going up. My doctors agree that I should have a vena cava filter inserted the day before. It looks like my insurance won't pay for the IVC and I don't know yet what that will cost. I am also concerned that there will be complications. My sister ended up in the ICU for 4 days with a lap RnY. Highly unusual, but late at night I can really get behind worrying about these things. Just writing this is making me feel better. Besides getting a more objective look at the issues, I am reminded that I am not alone in this. I can't do this alone, but WE can. Thanks for sharing your experiences everybody. Together we can do this. Thanks, Dotsie