Question:
As you all know I have been denied by Bluecross BlueShield...

My policy has a written EXCLUSION. I guess I will just have to accept that. My DH has gone to the HR person at work and they have also contacted the insurance people with no luck. I have contacted my state insurance commissioner, but there is no law in South Carolina that WLS has to be paid for by an insurance company. I really don't think a lawyer will be able to help either. Here's my question...Please let me know of any surgeons that are near South Carolina that will accept self-pay...I know they probably ALL will, but I need a good CHEAP on. Out of the country is OUT OF THE QUESTION, my hubby said we must stay here and get it done. We don't have any money, but I despreately need this surgery. PLEASE, someone help me come up with a solution...I am getting so depressed.. I read all of the posting where everyone is losing and I AM SO HAPPY for you, but at the same time I am a little jealous. I have been praying, but I am getting so discouraged. Rehab is out...they don't do it here...a job? I am not really physically able to hold a full time job.... Another insurance policy? I have searched on the internet with no luck...It would probably be too expensive anyway. Thanks for listening to me whine!    — cindyedens (posted on February 25, 2003)

February 25, 2003
Cindy, I,too have BC/BS with a written exclusion. I self paid here in New Mexico. My surgeon does open RNY at our University hospital. The financial people were great. I make a monthly payment to the hospital and one to the Doctor. They look at what we can pay and my payments are very reasonable. No finance charges either. Jeff and I aren't made of money and have 3 teen who will be in college in the next few years. Best $12K I ever spent. Margie in NM Open RNY 9-7-01 252/130ish
   — Margie W.

February 25, 2003
Cindy , Drs Strickland and givens are my DRs .. In Cola Sc .. Dont they do self pay ?
   — ruthie

February 25, 2003
Please just be sure that the written exclusion says morbid obesity and not just obesity. Most BCBS policies cover WLS if you meet the normal qualifications. Do you have a BCBS HMO? This might actually be excluded because your husbands employer asked that it be excluded to keep policy costs down. Please just be absolutely sure. <p>Most places that I have heard of require the cash up front. Could you take a home equity loan on your house, assuming you own a home? Sorry, wish I could be more help.
   — zoedogcbr