they are asking for the out of pocket upfront because they have been burned in the past buy patients not wanting to pay their portion after procedures have been done. It is not unusual for them to ask for it upfront,every time I have a procedure  for anything,they want my part that day. 

If you end up not owing that much,you will receive a refund check. 

GL

Does anyone have Regence Life and Health Ins.?  It is an Independent Licensee of BC/BS.

If so, were they hard to work with?  Is there anyone that has been approved?  If so, can you contact me with any advice?  

Thank you so much!  any help would greatly  be appreciated :)

if it is excluded on your policy the only options you have is find a new job that may have Wls benefits or go the self pay route. 

I also had an exclusion and self paid for Wls and recently plastics and it's has ,hands down, been the best money I have ever spent for myself. 

I suggest going to the Mexico forum and reading there. Read page after page of posts and you will begin  to see a pattern of the surgeons used inMX and how ppl feel about their services. 

The cost for surgery in MX is a huge fraction of the cost formost self paid plans in the states. There are surgeons who offer  self pay. Plans but sometimes they are hard to find.

gL

I too wish there were consistency among the various Marketplace plans, but there are similar variations from state to state for insurance which is purchased privately or provided by employers, so I guess it's par for the course. And the Marketplace people I dealt with were pretty clueless. That factor, coupled with the website issues, made me despair of obtaining coverage. It was pretty frustrating, but I persevered through three application attempts and finally succeeded. I was able to obtain a much better plan for about 40% less than what I was previously paying for a crappy plan, so it was definitely worth it.

CherokeePride,

Have you applied to Kraftmaid?  There are several plastics plants in Middlefield and they hire though agencies like Manpower.  It should be easy to find a person to carpool with in Middlefield if lack of a car is the only reason you are not working.

West in Niles is currently hiring and some of the people there carpool from areas around Middlefield.  West has a basic healthcare plan for $50 a month.  Once you are working, you can get another vehicle and also be able to pay for a policy when the next open enrollment starts.

Things will never be perfect, but start with one step and the rest of the journey will fall into place.  Send me a personal message if you want some help with finding a job.