Need help and/or advice

I recently had to change my insurance from a medicare supplemental insurace (Humana PFFS to Humana PPO)so now instead of paying 20% of the surgery i now have to pay over 30%, because Dr V is now out of network and the hospital (presbyterian) is also out of network, I'm putting this info out because I don't know what to do now, because financially I may not be able to have the surgery. So far I have put so much time energy and Money into all the pre opt classes and appointments, and now it seems as if i have hit a brick wall. If anyone can advise me on what to do if they have been in this type of situation, maybe advice on another type of insurance I could get to cover the gaps that medicare and humana doesn't cover or a place that makes loans for bariatric surgeries or any type of advice or sugestions, it would be greatly appreciated.

The first thing I would do would be to see if there is a competent in-network doctor that you can use and then have your records transferred. That would be the best option so that you are not stuck with all of the additional charges. Otherwise, I would contact your surgeon's office and ask a couple of questions - if they have any plan on becoming a network provider for this insurance and if they can recommend financing options.

Good luck!

Tonia

Thanks for the reply, I've recently began to look into finding another dr, I don't htink that financing would be to good of an option for me, so hopefully everything will work out for the best, thanks for the good luck wishes

Dorian