Am I counting my CHICKENS before they
before they hatch-
If you've been following my story- you know there's something wrong with my band
I lost restriction about 10 days ago n just figured it out about a week ago.
I don't have a doctors apt until oct 4th & i made it with my original Bariatric doctor
since then , my insurance had changed from Aetna PPO to BCBS HMO Blue Advantage
I was a cash pay- so $ 15k is what i paid for my surgery, next month being my LAST payment & of course, just like any car you buy. it starts falling apart as soon as you pay it off .
Aetna always paid a portion of any fill but the doctor doesn't take HMO- so everything I went back for would be "cash pay" including the flouroscopy to diagnose what the reason I have lost restriction, BUT anyways , the good news HERE , is , my GPO-doctor called me on Friday to tell me there was another doctor within an hour away that IS IN MY HMO plan & I got the referral approved , so I called them to make an appointment & I was talking to the girl and asked her what would I have to pay when I come in & she said only my co-pay.
I asked her, since they were in my HMO plan, what happens if I have to have my band fixed or worse yet, a revision to the sleeve or something. Knowing all of this since I was a cash pay & my old insurance didn't cover a dime of it.
I don't even know if the surgery is currently in my HMO plan since this insurance is NEW to me, but she said, since they were in my PLAN, everything IS covered as long as it is 'warranted" ???
DOES THIS SOUND RIGHT ?
THIS IS AN HMO & IT MIGHT BE A BETTER INSURANCE THAN THE PPO I USED TO HAVE ?
COULD IT BE TRUE THAT AN HMO THAT DIDN'T DO THE SURGERY IN THE FIRST PLACE COULD POSSIBLY HELP ME NOW ???
OR AM I GETTING MY HOPES UP ??
If you've been following my story- you know there's something wrong with my band
I lost restriction about 10 days ago n just figured it out about a week ago.
I don't have a doctors apt until oct 4th & i made it with my original Bariatric doctor
since then , my insurance had changed from Aetna PPO to BCBS HMO Blue Advantage
I was a cash pay- so $ 15k is what i paid for my surgery, next month being my LAST payment & of course, just like any car you buy. it starts falling apart as soon as you pay it off .
Aetna always paid a portion of any fill but the doctor doesn't take HMO- so everything I went back for would be "cash pay" including the flouroscopy to diagnose what the reason I have lost restriction, BUT anyways , the good news HERE , is , my GPO-doctor called me on Friday to tell me there was another doctor within an hour away that IS IN MY HMO plan & I got the referral approved , so I called them to make an appointment & I was talking to the girl and asked her what would I have to pay when I come in & she said only my co-pay.
I asked her, since they were in my HMO plan, what happens if I have to have my band fixed or worse yet, a revision to the sleeve or something. Knowing all of this since I was a cash pay & my old insurance didn't cover a dime of it.
I don't even know if the surgery is currently in my HMO plan since this insurance is NEW to me, but she said, since they were in my PLAN, everything IS covered as long as it is 'warranted" ???
DOES THIS SOUND RIGHT ?
THIS IS AN HMO & IT MIGHT BE A BETTER INSURANCE THAN THE PPO I USED TO HAVE ?
COULD IT BE TRUE THAT AN HMO THAT DIDN'T DO THE SURGERY IN THE FIRST PLACE COULD POSSIBLY HELP ME NOW ???
OR AM I GETTING MY HOPES UP ??
01/08/09 52 lbs lost in one year post op.....[email protected]
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