Insurance won't pay, no $ for self pay... now what?

Hi there. Just a quick question. I have Blue Cross (POS) insurance in Georgia and I have been told twice that the surgery is excluded in my benefits. I even asked would it be excluded if the surgery was medically necessary and was told it is still excluded. I am 5'6", 260 pounds, with a BMI of 42, and hypertension, weight related depression (both of which I am currently being medicated for) and now the fun joint pain that is associated with being this heavy. I have tried just about every diet known to man, only to rebound the weight, plus some. I have applied with financial companies to see if I can get a loan to pay for the surgery, but have been turned down due to past financial issues, including filing bankruptcy. I am at my wits end. I am 31 years old with 3 very active children. I know that this disease (morbid obesity) is killing me, and I can't stand the thought of dying while my sons are so young. I want to be there for them, but not just FOR them, but WITH them. We live in the mountains of North Georgia, and my kids lOVE to hike and go camping. They have to do it with their father, because I can't make it up a hill, much less a mountain. I know that you guys probably get asked this question every day, but does anyone out there know of a company that would finance this surgery? We are not a wealthy family by any means, but we could afford to make monthly payments if we had to. Thank you all for your time, and I look forward to hearing from you! Michelle

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