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When the layoff rumors start flying, go ahead (if option is available) and cash in on your short term disability. This is usually not to hard to do through your primary care physician, and especially those of us needing treatments and various surgeries for health reason. This option should at least get you an additional 90 days of insurance.
The insurance coordinator at my surgeon's office recommended Horizon BCBS NJ as the easiest to get approved for surgery with. I want the sleeve, but the problem is I can't get the company to tell me if they cover the sleeve without buying a policy first. I really don't want to waste thousands of dollars for a plan for a few months just for them to tell me the sleeve isn't a covered surgery.
Does anyone have any experience with this? It says that bariatric surgery is covered under several of their individual self-pay plans, but it doesn't tell me if there are exclusions to that.
Thanks!
on 6/18/13 10:56 pm, edited 6/18/13 10:56 pm
Insurance co's don't wish for to cover obese populace, PCIP has previously taxed up billions and billions of dollars and whilst they have not completely applied the program, they are already turning inhabitants away.
on 6/18/13 11:11 am
You are extremely lucky! Did you get this in writing??
on 6/17/13 7:56 pm
Probably not. Ins co's don't want to cover obese people, PCIP has already taxed up billions and billions of dollars and while they have not fully implemented the program, they are already turning people away. 26 states will excude WLS.
Finance companies are requiring a credit score of 650 or above.
I would suggest a part time job at Starbucks, they cover WLS for part time employees.
on 6/17/13 7:54 pm
Primary always comes first, if primary does not pay secondary will not either.
The Weight Center at MGH requires you pay a "program fee" of $600 before the surgery. I assume it is for the group sessions that they hold as well as administrative costs. Beth Israel does not charge a program fee but unfortunately they are out of my range so I have to pay the $600. I think its different for each place.
I am looking to get a gastric sleeve. I can't get health insurance because of a pre-existing condition (insulin resistance, hypertension, depression). i really need WLS, but would have to self pay about $22,000, which I don't have. I can't work right now because my weight causes extreme pain when I walk or stand for more than five minutes, and desk jobs have their own set of issues. The pain isn't enough to qualify me for disability, but it is debilitating.
The one thing I can do is apply for NJ FamilyCare medicaid since I have children. Does anyone know if they cover the sleeve surgery? I'm getting desperate. I've been told I need this surgery by my doctor, and at only 33 I feel every day like I'm dying. I want a chance at a normal life.
Hockeymom87 · 0 replies · 727 views
