New To This

Hi world I am new to this site...I am here trying to find out how to get help with the Lap Band surgery..I have insurance through my job but the denied me and I'm looking for a insurance or any agency that helps with this surgery..please help me I have been trying to get this done for a long long time.

Your only two choices are private insurance or self pay .Did they say why they denied you? Does it have a clause thru your work or just flat out does not cover it ? Or was it need more info? 

They said they don't cover cosmetic surgery and weightloss surgery falls under cosmetic for them

You could possibly contact Walter Lindstrom (I think that's the name) at ObesityLaw.com and see if he can help.  I don't think there's a fee if he's unsuccessful.. but go there and take a look-see.

My surgeon has fliers at his office about a medical credit/loan company for those who don't have insurance that will cover.  Perhaps your surgeon .. have you talked to a surgeon or gone to a seminar yet?... will have that information too.

Best of luck.

yes I already did the seminar and did the consultation with a surgeon, and after they sent there info to the my insurance company they denied me

Quick question...

To be specific, was your denial based on the fact that your insurance company said it's considered cosmetic or did you employer have a specific exclusion for WLS?

The reason I ask is this:  My insurance through my consulting firm excludes cosmetic surgery unless medically necessary for things such as burns or other "life altering conditions" (like being 160lbs overweight is not "life-altering",,, dbags!).

Anyway, back to the topic - I know of a consultant that was able to get around the "cosmetic surgery" exclusion through appeal.  Subsequent to that, the a-holes at the firm added a specific WLS exclusion ON TOP of the cosmetic exclusion.

Just suggesting that you get specifics before you waste months in the circle j3rk that the appeal process can be.

With that said, I was self pay (cash) but there are a couple of medical finance companies that my surgeon's office lists:  CareCredit® (800-365-8295) and ChaseHealthAdvance^SM (888-519-6111).
 
Disclaimer: I don't work for either company, did not use them for my own surgery and, in general, I am not a fan of moderately high interest finance companies. 

Good luck~!

Edited:  Typos

Im really not sure on what it was based on..but the letter that my insurance company sent to me..talked mostly about them not paying for comsetic surgery and that this falls under their catergory..but I can't afford self pay so I know I cant go that route..hoe od I go about getting an appeal..

The only thing i would say about self pay is to think it over seriously . The cost of surgery is up there but with the band aftercare is everything.The band simply does not work w/o it. Office visits and fills/unfills are expensive and to give you an idea I went/go in about once every 4-6 weeks in my first year and recieved adjustments almost every visit .That will add up quick. Recently when my ins year rolled over and my deductable rolled over again I am finding out just how expensive it can be. I am responsible for the whole visit and adj. until I meet my deductable which only is going to take about 3 visits (2 I have already had). NOT trying to deter you just want you to have a heads up that if you have a payment to make on you surgery and it will be a substancial amt and have to pay for your almost monthly adj too it may be worth looking into another surgery that does not include as much aftercare.Not to mention if you have a complication and have to have other procedures or another surgery.That would be out of pkt as well. If I were self pay I would have gone with the sleeve.JMO !!!! I LOVE my band but just keeping it real. I had great ins coverage and still owed a little chunk.
I hope you find a solution though. :) and if you are going to go the self pay /credit route alot of Dr's will negotiate a little here and there . Good luck either way !

Thanks I really don't think I could afford to go the self pay route..I work two jobs but still thats not enough to pay all the bills and have money left over for a surgery..but thanks for the heads up on letting me know how expensive it can get.