desperate help....

ok... this is my last breath...

i have bcbs of tenesse thanks to the stupid corporate i work for... and i dont have one single bariatric related service...

 

now after over a year of loosing weight and putting myself through hell...

 

this is the deal.

if i use my insurance... the surgery is around 75 thousand dollars and my ins will pay 25 thousand only!!! so ill be stuck with the rest....

if i go self pay the surgery costs 21 thousands.. which i obviously dont have... and woudl have to pay before i have the surgery...

if i go to have it done in mexico is 10 thousand but i can get a loan because banks needs a credit score of 600 and mine is 558!!!!!!

im seriously devastated... im tired... im still a walking whale...  im scared even to think of any options because everything just keeps turning into caca!!!!

im about to go kill the mother of a gypsy!!!

 Wow that really sucks. I suggest switching insurances. I have Humana and it paid all but 1000 of my surgery.

Look at the various insurances your co. offers...I know this sucks because in 2003 I was about to have surgery and my co. switched insurances and I then had to go with another plan and start alllll over again! Ughh..

Good luck man..You'll get there...

i have bcbs of tenesse thanks to the stupid corporate i work for... and i dont have one single bariatric related service...

if i use my insurance... the surgery is around 75 thousand dollars and my ins will pay 25 thousand only!!! so ill be stuck with the rest....

Your statements are conflicting here.  If your insurance only pays 1/3 then **** on it.  Do what you have to do to improve your credit score, get a loan and go to Mexico.

Surgery is 75 grand?!  I'd look further into your insurance AND the surgeon/hospital.  See if you can figure out the actual charges versus the ALLOWABLE amount.  For example:  My surgeon's fee for the acutal surgery was $6000.  He required coinsurance amounts up front.  I stressed for weeks about raising 1,200 bucks to cover this.  When I went to schedule (still not having that much) they asked for $540.00.  $6000 (actual charge)- $2,700 allowable amount 20% coinsurance = $540.00.   Similar story with the hospital- $37,000 bill $10,450 allowable amount.  26 grand and change WRITTEN OFF (not owed).   Kind of ****** me off when I think about it, if I was uninsured, they'd want every damn dime from me but give the insurance companies huge discounts!

Worth at least a phone call.

Good luck.

Jason

$75K for WLS????        Something is seriously wrong there ..  esp. at TN rates ..     Have you checked with other WLS surgeons in TN to see how much it would cost?   I don't know if your ins. covers DS, but if so you might check with Dr. Spaw's office in Nashville to see what they would charge for lap or open DS .   There is another surgeon in Nashville that is also now doing DS (Dr. Thompson?) ..  

  Even RNY done open or lap shouldn't be over $25K there ..   

  If you have to go the Mexico route, there are surgery lending cos. that won't give you a tough time about your credit score ..  Just ask Dr. Ungson's office in Hermosillo about some of the surgical lenders they work with (I think several have direct links on his website) .. 

  Don't give up now!  

I had roulyn y in 2004 the hopital charged $36,000 but after the insurance company whittled them down they paid only $18,000 for everything, I paid $500.  $75,000 is wayyyyy out of line as stated above find another facility.

 i had to do a self pay myself and here in cebu (Philippines) it cost me  US 6.500 total and you can get a deal on air fair thru skyauction ... when i was just visiting i would get round trip tickets for 700 dollars..  i just had the sleeve done on July 6th... bill included the hospital