Affordable Care Act and WLS??
I have registered with the affordable care act website and I have a registration number
I've tried to look at all the different options for Pennsylvania and it is not looking good
I want to find out if any of the insurance plans offered thru healthcare.gov cover weight loss surgery.
I am beginning to get really depressed after so many years of waiting for my insurance to cover this
all my doctors agree that I definitely need this surgery, but i can't seem to find anyone who will cover even part of the cost and self pay is out of the question
I'm 49 now and the weight is killling me, literally
anybody have any info on insurance that i can buy or a plan thru healthcare.gov that covers bariatric surgery?
Thank You!
on 12/6/13 8:16 pm
I have registered with the affordable care act website and I have a registration number
I've tried to look at all the different options for Pennsylvania and it is not looking good
I want to find out if any of the insurance plans offered thru healthcare.gov cover weight loss surgery.
I am beginning to get really depressed after so many years of waiting for my insurance to cover this
all my doctors agree that I definitely need this surgery, but i can't seem to find anyone who will cover even part of the cost and self pay is out of the question
I'm 49 now and the weight is killling me, literally
anybody have any info on insurance that i can buy or a plan thru healthcare.gov that covers bariatric surgery?
Thank You!
They have already made it very clear. Ostupidcare will not cover WLS at all in any state. Their suggestion is to buy a platinum plan privately. The cost for an obese person will be around $3K a month.
It would be cheaper to do what most self pays do. Go to Mexico. For a good surgeon in a safe city it will be about $7-8K.
It would appear the truth is finally coming out about Ostupidcare. Double the premiums for a fraction of the services and no doctor. In California already 70% of doctors are refusing to participate in this idiotic plan. I don't know why anyone thought would could provide medical care to 18 million people with less cost than we had before. Now the poor and the middle class have the honors of paying the most in lost jobs, taxes, and punitive costs via the IRS. But hey, they get cheap insurance that doesn't cover what they need.
Just to give you an idea, Ostupidcare plans to pay doctors (including specialists) $24 for an office call. That won't even cover their overhead. I would imagine very few doctors will be able to afford to provide such care.
I bought a plan on the Healthcare Marketplace, made sure it covered WLS and it covers 50%. Not as much as I want but they DO cover it. But I also called BCBS before purchasing a plan to make sure it would be covered. This is in Michigan, would they deny in some states and not others just because it is from the Marketplace?
on 1/12/14 1:38 am
The first response isn't quite correct. It appears that at least 22 states will have obesity treatments, including bariatric surgery, included in their essential health benefits -- and unfortunately coverage seems to be largely determined by geography. Sadly, many of the 27 states that have excluded surgery are in the south -- where some of the largest obesity problems exist.
BTW, although obesity surgery isn't covered in every state in the exchange, Obama care has made it so that ALL policies must cover screening and counseling for obesity and at least one drug for it's treatment with no patient cost-sharing. So while obamacare isn't perfect, it is better than what a lot of people had before it. Nothing.
"What you eat in private, you wear in public." --- Kat
I'm in PA and bought a BC/BS silver plan through the Healthcare.gov site. It's decent coverage and costs about 60% of what I previously paid for one of those junk plans that cover little to nothing. Like you, when I looked at all the plans available I saw that bariatric surgery is not covered by even the platinum plans. However, when I scrolled all the way down, I saw something about the possibility that BC/BS might pay for some aspects of WLS. I had originally thought I would buy a platinum plan, because when I first got a look at the available plans it looked like WLS would be covered. But now that it seems that not even the most expensive plans from either BC/BS or Aetna will cover WLS, I went with a less expensive plan that would cover my healthcare needs and figured I'd look to pay cash for WLS. I'm in the process of making a final decision about which surgeon I'll be going to in Mexico.
I've looked into financing and I haven't seen any especially attractive options online. However, many credit cards are offering very low interest rates for balance transfers -- some as low as 0% -- and you get that low rate for 12-15 months. That's long enough for me to be able to pay off my surgery while still covering all my regular expenses. A couple of my cards regularly send me those blank checks that can be used to pay off balances or whatever, and I always used to tear them up and throw them away. Then I decided to use one last year and basically got myself a substantial loan at 0% interest, with 15 months to repay before my regular interest rate goes back into effect. I am going to do the same thing to pay for WLS.
HTH.