Insurance, Cash Pay and Financing

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(deactivated member)
on 6/17/13 7:54 pm

Primary always comes first, if primary does not pay secondary will not either.

bostonlass
on 6/17/13 7:02 am - MA

VSG on 08/27/13

The Weight Center at MGH requires you pay a "program fee" of $600 before the surgery. I assume it is for the group sessions that they hold as well as administrative costs. Beth Israel does not charge a program fee but unfortunately they are out of my range so I have to pay the $600. I think its different for each place.

mollymcb
on 6/17/13 3:31 am - TX

Topic: dual insurance question

I checked with my primary insurance and i am not eligible for surgery because i havent been with my employer for 5 years my secondary insurance i am eligible now according to dr office.... Since i am not eligible under my primary will i be able to use 2nd insurance to have coverage now? The reason i am asking is because on 09/22/13 will make my 5 years if i dont get surgery done under my 2nd insurance before that date my primary has a ton of stipulations i have to do before approval... What do yall think??? Please give me some advice!

LumpySpacePrincess
on 6/14/13 7:43 am - New Milford, NJ

Topic: Does New Jersey Medicaid Pay for Surgery??

I am looking to get a gastric sleeve. I can't get health insurance because of a pre-existing condition (insulin resistance, hypertension, depression). i really need WLS, but would have to self pay about $22,000, which I don't have. I can't work right now because my weight causes extreme pain when I walk or stand for more than five minutes, and desk jobs have their own set of issues. The pain isn't enough to qualify me for disability, but it is debilitating.

The one thing I can do is apply for NJ FamilyCare medicaid since I have children. Does anyone know if they cover the sleeve surgery? I'm getting desperate. I've been told I need this surgery by my doctor, and at only 33 I feel every day like I'm dying. I want a chance at a normal life.

FatMan832
on 6/13/13 9:00 am

Topic: How can I get insurance?

I live in Texas and I a self employed. PCIP.gov isn't taking new applications in my state. Texas High Risk pool does not cover any sort of weight loss surgery. I don't qualify for medicaid and don't want it. Credit is in the 400's and I can't afford to pay out of pocket.

Is there any way possible that I could get insurance in the state of TX? Any help is appreciated.

linzeelee
on 6/13/13 3:16 am - Omaha, NE

VSG on 05/17/13

Topic: RE: Anyone here use FundMyDr.com?

Unfortunately, most people are not in a position to be able to get a second mortgage at 4%. I don't have a mortgage and my credit sucks. I would have loved to get a personal loan through my bank, but it just wasn't an option. I think the medical loan companies are kind of a last resort.

Lindsay ~ 5'4" ~ HW (5/6/13): 280 ~ SW (5/17/13): 273 ~ CW: 140
Losses by month: pre-op: -8 M1: -18 M2: -12 M3: -13 M4: -9 M5: -10 M6: -12 M7: -14 M8: -12 M9: -2 M10: -8 M11: -9 M12: -2 M13: -6 M14: -7