The other option is to get into one of the high-risk pools being set up as part of the health care reform. They are specifically for people who cannot get private insurance due to pre-existing conditions.

Good Luck Maria!  I remember sending you letters of example to use in your appeal so I hope you get approved this time!!!  Keep us postedl

Nan

You are so very welcome!!!!  I am happy things turned out so well and you got your approval!  I hae been so happy with my choice of RNY and my daughter had her RNY in May and is down 75 lbs !!  We also appealed her denial and now look where she is!

Congrats!!  And keep me posted on your surgery!  I love hearing stories like yours and glad I was able to help!

Nan

Hi everyone.  Maria in Chicago here...  Well my third request for RYN is now in Aetna's hand.  I was denied in March, and have now completed a six month program with my surgeons office...  with an internal med doc that runs their weight loss program.

As I said, I was denied in March and also once in 2007, so i am hoping that this will be the third time is a charm situation!

I am really hopeful, but I was last time too, and really got my spirit crushed.

I have already committed to myslef that I will appeal if they deny...  but now I am just nervous!

Thanks for listening!

Maria

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.