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I don't know for sure and maybe someone else who knows more will post,but I think health care providers have to use the primary first because it is usually the one you have had the longest.
the secondary is not going to pay out before the primary because they all want to pay out the least amount possible,so I can't see your secondary stepping up to take on the bigger portion,not for any reason. I may be totally wrong,however.
GL
Well I'm pretty much out of ideas for you. Maybe someone else can provide better info.
What you eat in private shows in public. 
HW: 245 SW: 233 GW: 120
on 5/14/13 4:36 am
The surgeon my aunt and others used is Dr. Alvarez and he charged $8700. He comes highly recommended.
GL
Considering the hospital he uses that is pretty expensive. Dr. Arellano is only $7,000 and a new hospital.
The surgeon my aunt and others used is Dr. Alvarez and he charged $8700. He comes highly recommended.
GL
What you eat in private shows in public. HW: 245 SW: 233 GW: 120
I definitely had my procedure and doctor selected. I ended up not needing a medical loan because I got a personal loan through Prosper. So I'll be bringing a cashier's check with me on friday when I get sleeved!
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
on 5/13/13 10:06 pm
So I keep reading horror stories about MedLoanFinance.com whenever I do an internet search, but I am seeing a lot of posts about FundMyDr.com and how great it is. These comments I'm reading all sound suspiciously like paid endorsements. I can't seem to find any actual reviews of FundMyDr either. So I am wondering if anyone here has actually used FundMyDr.com, and if so, what was your experience?
Thanks so much!
Is this a surgery loan company? Just from the name it sounds like it could be one of two types of websites, one would provide surgery loans and the other sets up an account so your friends and family can donate to your surgery. (tacky, I know.)
If you need a surgery loan the way to do it is to choose a surgeon and then they have to contract with the surgery loan people. So ask them for a list of who they contract with. Surgery loan companies require the surgeon to pay a portion of your interest, I know.. crazy. But, they do. So doctors will not contract with just anyone. They are essentially helping you to pay for your surgery. This is why when you ask about self pay costs they will say cash pay is one price and financing is a little more. They are charging you what your finance company charges them.
So you don't want to find a surgery loan company first, you want to pick your surgery type, THEN pick your surgeon, THEN pick your finance company.
on 5/13/13 10:03 pm
Hi,
My Husband and I both medically need WLS. We want gastric bypass, but are getting the run around. We can't get insurance due to not having normal jobs. We have grant jobs through our college. We have bad credit due to college and medical bills so no loan approval. (Already tried.)
I was told medicaid covers it, but we have to have children or be disable. We don't have children and getting on disability is a joke.
I am assuming our only option is going to Mexico? I doubt Obamacare would cover it either and getting a self-pay insurance its listed as excluded. I just need help and ideas, since we have to pay for 2 surgeries its gonna hurt.
Mexico can be a really good option but you have to do your research WELL. Don't shop by price, shop by skill. There is a great deal to researching a surgeon in any country including the US.
on 5/13/13 10:01 pm
My aunt and several other people I know did the gastric sleeve in Mexico. There's one surgeon close to San Diego that advertises a sleeve surgery for less than $5000. Would you be able to get that much money for one sleeve? That would probably be the best option unless you can get on MedicAid. Perhaps you could research charitable organizations that might cover some or all of the costs? Some Catholic hospitals my have a program for people who can't afford surgery otherwise.
Good luck in your journey.
Noooooo, the surgeon that advertises surgery for $5K is seriously dangerous!!!!
on 5/13/13 9:55 pm
This is a tough one because most people do not have WLS benefits, the rider an employer has to have to provide this is very expensive.
Starbucks used to have WLS benefits, last I checked they still do and you only have to be part time. What if you keep your job and work at Starbucks part time?
on 5/13/13 9:50 pm
I requested the info on requirements for surgery and the sent me a paper version of this: http://www.anthem.com/ca/medicalpolicies/policies/mp_pw_a053 317.htm
I am confused by this part: "The individual must have actively participated in non-surgical methods of weight reduction; these efforts must be fully appraised by the physician requesting authorization for surgery"
I called and inquired about it and all they keep saying is "talk to your doctor", " We're not doctors so we can't tell you" , etc. Is it sayng I need to do a supervised diet or simply show satisfactorily that I have made a concerted effort to get my weight under control with or without doctor supervision??
I have been told that I have to be referred to see a specialist but my PCP's office won't refer me unless I meet the criteria for surgery so who is the one "appraising" my diet efforts? My PCP or the surgeon? I have an appt to see my PCP and discuss all this next week, but I am driving myself batty trying to figure it out. I am ok with it if I need to do a supervised diet but I just need to know.
Any info would be much appreciated!! oh and FYI this isn't through employment so I don't believe there are any "riders" on the policy that would add to there basic requirements.
That would be something like Jenny Craig, WW, regular appointments with a Nut, regular appts with your MD to weigh you, membership to a gym with proof that you actually went, TOPS, any of those. Just some effort on your part to lose weight without jumping to surgery first.
In addition to that I would also write a very business level letter without emotion and just facts listing all the fad diets you have tried. Cabbage soup diet, Atkins, all of them. Just write a WL history and combine that with something showing poof such as your Jenny Craig receipts and you should be good to go.
Hockeymom87 · 0 replies · 844 views
