Questions and Concerns about Self Pay

Well, someone advised my to call my insurance company to see if they covered the weight loss surgery.  They do not.  I am really upset, but I should have checked first!  I did get confirmation that if complications arose they would cover that.  Now I have to weigh (pun intended!) my options on sell pay and the cost of fills.  I really think this is my only option to be a better me.  I am fighting fibromyalgia and just found out I have arthritis too.  You can't put a price on your health and well being or can you?  I can assure my insurance company that I have spent more on specialist, cancer biopsies, nuclear med scans and MRI this year than the surgery would cost.  My husbands company does not allow this coverage which is suprising since he works for one of the biggest government contractors in Oak Ridge!

Not being nosy, but his anyone else made the decision to self-pay?  Any advise or support would be greatly appreciated!

Thanks!
Kristy

Hey Kristy,
I worked full time for Fort Sanders Sevier, part of the Covenant network.  They OWN Cariten insurance and have a weight loss center of excellence at Parkwest.  But, they had an iron clad exclusion written for WLS. I had been really sick last year and felt like RNY was my only hope.  So I used my 401k, some savings, and financed part of it at Capitalonehealthcarefinance.com.  It was easy.  If I had financed the entire surgery, my note would have been about $500 a month for either 4 or 5 years. (I can't remember which).  I was about to buy a new car at the time, so I just decided to make my Toyota last longer and use what I would have paid for that note for my WLS. It was the best money that I ever spent!

Marilyn