Insurance confusing me

I was talking to NBAA, National Benefit Advisory Associates, and they told me the following. They were created for the people who were low income and who had always been told "no", and that they would pay 75% of my surgery (I made sure to tell them exactly what surgery I wanted before I even signed up because lets face it, if they won't pay then I don't want it) and if I called them within 3 days of having surgery they would pay 35% of the remaining balance and then set up affordable payments for me on the rest of the balance. I signed up and I already have an appointment with a Dr for orientation. I am supposed to call my insurance back when I have a surgery date to let them negotiate with the hospital. According to the website they are a discount plan but I have called several times and asked different people the same question, "Will you really pay for this surgery and set up payment plans on the rest for me???" and they always say "Yes" I am affraid it is a case of "Too good to be true" but has anyone ever experienced "Don't look a gift horse in the mouth" I don't want to be "The glass is half empty" all of the time but dang, it always seems to be that way. Anybody got a "Glass is half full, Don't look a gift horse in the mouth" story to share with me.

Hello Tori! I want to welcome you to the Ky boards! Well in answer to your question-- I am not familiar with the NBAA. However, I too have been in a situation where I was told something and instantly thinking it was too-goo-to-be-true. In some of these cir****tances I've been right, it was too-good-to-be-true, but in others it wasn't. I am an pessimist, there is no doubt about it. Try hard as I might, I can not even begin to imagine what life would be like as an optimist. I have had my few fleeting moments when I've been able to see the glass half full and as I get older, I'm seeing the sunny side of life a little more. Just try and take it for what it is. If they're telling you they will help you, then enjoy the moment of being helped. Perhaps to make you feel better, ask them to send you something in writing giving you that *yes*. Perhaps it will make it all the more concrete for you in your mind. I hope that you get the help you need to have this surgery. It's real hard to know this is the answer, but not really have any way to help pay for it. Believe me, I understand this completely. It was only a short time ago when I first started researching the surgery, I realized I hadn't any insurance to cover it, let alone the money to pay for it. I ended up having to just hold off at the time. (a good thing really, because I ended up with an awesome Dr.--one thing that wouldn't have happened had I did it then) Good luck to you and please keep us posted on your progress! Take care-- Dee