Would you have self paid?
on 11/10/14 1:06 am
It's funny you should ask such a question, because the first one of the first questions I asked during my first bariatric surgery seminar was what the cost of a RNY would be if insurance doesn't cover WLS. I didn't assume that my insurance would cover it, and as it turned it, it did.
To answer your question, YES, I would pay out of pocket if I had to.
I love your username. :D
VSG with Dr. Salameh - 3/13/2014
Diagnosed with Binge Eating Disorder and started Vyvanse - 7/22/2016
Reconstructive Surgeries with Dr. Michaels - 6/5/2017 (LBL & brachioplasty), 8/14/2017 (UBL & mastopexy), 11/6/2017 (medial leg lift)
Age 42 Height 5'4" HW 319 (1/3/2014) SW 293 (3/13/2014) CW 149 (7/16/2017)
Next Goal 145 - normal BMI | Total Weight Lost 170
TrendWeight | Food Blog (sort of functional) | Journal (down for maintenance)
Interesting question that I was pondering this weekend. I received our new benefits package for 2015 on Friday and the new health care insurance company specifically excludes bariatric surgery. I'm very thankful I completed my program quickly and had the surgery in September. I would have been quite PO'd if I was halfway through right now and expecting surgery in early 2015.
I think my insurance paid somewhere in the ballpark of $30K for the surgery not too mention the numerous pre-op visits. Sure I could find something more affordable or they might have worked with me on cost if it was out of pocket but I don't know if I would have been willing to pay that much, though I feel that it is worth it.
I am curious if they will cover my followup visits, which should only be 1-2 items per year with the endocrinologist and nutritionist, but suspect they would considering they are just health management visits. Will need to double check.
In theory, your follow up visits should fall into the "pre-existing condition" realm, and those have to be covered now.
At least, that's the theory. Who knows what the actuality is, eh? :P
VSG with Dr. Salameh - 3/13/2014
Diagnosed with Binge Eating Disorder and started Vyvanse - 7/22/2016
Reconstructive Surgeries with Dr. Michaels - 6/5/2017 (LBL & brachioplasty), 8/14/2017 (UBL & mastopexy), 11/6/2017 (medial leg lift)
Age 42 Height 5'4" HW 319 (1/3/2014) SW 293 (3/13/2014) CW 149 (7/16/2017)
Next Goal 145 - normal BMI | Total Weight Lost 170
TrendWeight | Food Blog (sort of functional) | Journal (down for maintenance)
I self payed and would do it again. I'm only a few days out still healing and in pain, but no regrets.
HW: 478+ Consult: 478 Pre Op: 453 SW: 438 CW: 293 (7-20-15) GW: 225 LBS Gone: 185
VSG with Dr. T. Ryan Heider at the Center for Surgical Weight Loss at Lake Norman 11-6-14
on 11/10/14 2:39 am
If the question is "is it worth the amount if you had to pay it yourself?" -- my answer is absolutely. However, truthfully, I could have never afforded to do it had I needed to self-pay.
"What you eat in private, you wear in public." --- Kat
yes I would have self paid. and my insurance would have covered rny or band but at the time excluded vsg as investigational. I fought the insurance company and won. but if i hadn't , i was prepared to self pay as i just did not want those other procedures. so glad I held out for what I wanted. its been great. diane