Please Help Insurance is just wreckn my nerves!!

Hello everyone. I hope that u can help me out.. I'm just abt to lose my mind here.. I've been calling abt supplemental Insurance, or Medigap. Whatever its called cuz at this point I'm just confused. I will be eligible for Medicare on 06/01 of this yr. I'm under the age of 65 & I am already doing my diet eval w/my NUT thru my Dr's advice. Just so I can show that I've started my pre-op diet for I need documentation 4 7months. My problem is that the Medigap/Supplemental Ins. is just really confusing the hell out of me. We all know that we need help to pick up the 20% that Medicare will leave us with so I've been researching calling different companies and finally decided to call Humana Ins.. I spoke to a rep & he told me that Why didn't I get into Humana Texas Go Plus HMO?? He xplaind 2 me that basically Medicare would take a step bak & that Humana would now be my Ins. & that I would have to follow their guidelines. He also informed me that the Ins. premium w/vision & dental would be like $19 per month??? I mean is that right?? I'm telling u I'm just so confused that I want to pull my hair out!!! I am on going on my 3rd month eval and now everything will change if I make this decision.. Plus I spoke to an advocate @ my Dr's office trying to get some advice seeing as how they work w/patients Ins. companies and all & she tells me that I should try Humana cuz they weren't as strict as Medicare & I wouldn't have to worry abt the 20% that Medicare would leave... I'm so happy cuz I'm finally gonna have ins to start the process such as tests, blood work, sleep study now that Medicare is gonna kick in n I've started to feel more like a reality for me that this is happening n to find out I might have to consider to go another way is just really trippin me out!! Can someone please hellp me w/this?!? I've been stressing so hard that its starting really take a toll on me. Hope to hear from u soon...

Rachel

Sorry that I can't help but there is an INSURANCE Forum listed under forums at the top of the page so you might try there.  If all else fails call the company and speak with someone directly to get your answers.

Insurance companies are the biggest hurdles mopst of us have to face to get the WLS we want or need. Some people also self-pay, whichin some ways better but expensive. I was lucky to find a surgeon, whose office knew how to handle the insurance company issues. Each insurance company has its own unique requirements and hurdles they want you to jump through.  WLS is suppose to be a last resort treatment for morbid obesity. I would follow the advice previously given and check the insurance forum and see if anybody more knowledgeable can help. But, a lot of us have been in the same boat with battling insurance companies. I know it is hard but try not let the stress get to you and take the steps needed to obtain your goal.

Yes ur right.. I will try not to let it get to me anymore. I know I have to find something.. all in due time. Thax again 4 ur responses.. Really appreciated them..