 No ins. have back problem...how can i recieve help? |
| for 13 yrears have had lower back pains...hoped it would go away,wrong...now am unemployed.no ins.dont know what to do?... |
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 Whats a good annual premium for a 50,000 whole life policy? |
| I'm 28 perfect height and weight and don't smoke. No health problems and no family illnesses. Thanks.... |
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We all look for the cheapest premium, but we have no idea how they would perform if you had to claim.
I heard somewhere that car insurers give out much more that household insurance (or ... |
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| I need an eye exam and my new insurance plan does not cover vision. Where is the cheapest place to get an eye exam?... |
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| She worked for the federal government and was very sick when she made her beneficiaries. Now they are saying that it is not valid and will pay from an old policy. They are having us fill out a form ... |
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| I need to obtain Supplemental medical insurance as I am approaching age 65. What is the least problematic way to get necessary information on coverage without dealing with an agent of the companies.... |
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| Medicare insurance: I understand that you can assign your Medicare/Medicaid and eliminate private insurance.? |
One company said itheir policy would eliminate the ~$190/month Blue Cross Blue Shield is charging.
I'm confused.... |
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 If someone is a beneficiary on a life insurance policy and he/she dies, does the policy holder get the money? |
| I know that a policy holder can cash in on their insurance policy, I am just not sure if they can gain anything in the case of his/her beneficiary's death.... |
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| I have a pre existing mental illness that is controlled very well with medication, and I am a productve, very educated, young member of society and otherwise healthy person, and NO insurance will ... |
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| My bank has forced flood insurance on my mortgage payment and line of credit cos my neibourhood is consider to be in a flood zone now . Now my mortgage payment and payment of my line of credit is ... |
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 Insurance Settlement is it fair? |
| My wife was in an acident, received hearing loss, weakness, and stiffness injuries. She can not go to movies or concerts because the noise hurts her ears. Her left side has weakenss and she can not ... |
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| I left my mac powerbook on the workbench in my garage. When I pulled my motorcycle into the garage, I knocked it off onto the floor and broke the screen. Is this kind of thing covered by most ... |
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| I recently learned my mom has a lot of policies on older family members & trying to figure out how it works exactly...... |
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 I was hit while riding my bike by a driver high on meth. He has nothing to his name- am I able to recover $$$ |
| The driver has crappy auto insurance and nothing to his name (he's a meth addict). The DA called to notify me that they will be charging him with DUI as well as Felony Assault. I ended up with ... |
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 I need an insurance plan... any suggestions? |
| I am currently under my husband (he is a Deputy Sheriff in North Carolina), and I am a full-time student. I need a plan with no deductible (I have monthly prescriptions, so I always need to be able ... |
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| is it better switching to cheaper one..what happens to all the money i am paying for this insurance if i switched to another one?... |
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 Do you get health benefits when you work full-time? |
| Is an employer required to provide health benefits for a full-time employee?... |
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 Looking for Disability Insurance? Where should I start? Any suggestions of good proviers? |
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 Traffic ticket and insurance? |
| Can a single, unmarried, never been married before man with no kids who has had some speeding tickets in his life (80 in 55 or 65MPH zone) still have auto insurance?... |
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April D | Lap band insurance help!? |
My husband and I want to get the lap band surgery. He's looked into it significantly, and we know pretty much everything there is to know about it. We both have health insurance (under my name) that will pay 85% of the cost (up to $7500). However, I've been calling all over and there isn't anyone I can find that will allow little or no out of pocket cost. The cheapest one I found I would have to pay $3500 out of pocket! Is there anyone who has gotten this surgery with everything included for under $8000? We can't get any loans or use any credit cards at all. Any advice? |
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sarah314
 |
Nope...if you have 85% coverage under your surgical benefits, then you're going to have to pay the out of pocket cost if you want the surgery.
You should also keep in mind that if your insurer has a cap on bariatric coverage, complications from the surgery are generally lumped into the cap.
So, if your policy will pay a max of $7,500 for lap band surgery, keep in mind that its possible that you may have to pay 100% of the charges for any complications that arise.
If I were you, I would definitely verify with the insurance company first whether they would provide any coverage for complications from the surgery. In the unfortunate event that you or your husband had major complications, the charges could easily run into the tens of thousands of dollars. That $3,500 out of pocket charge could triple or quadruple in no time, if you were stuck paying for any complications that arose.
Definitely ask your insurer who would be liable for the cost of complications! |
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Alan S.
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What no one here seems to have mentioned is that it appears your choice is for an elective surgery.
Health insurance generally does not cover a surgery without a medical need.
Don't forget the common exclusion for known pre-existing conditions.
It sounds like your best bet is to go with the company you already have. Especially, if they have already approved your need for the surgery.
Good luck |
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Diane Y
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Go to the website of Obesityhelp.com and look up the surgeons and what insurance they take and you might find one that does that or they also have an insurance forum that could possibly help you. Good Luck.. |
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Sarah!
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I'm supposed to be having lapband done in August and I had to pay full out of pocket of $16525 because my insurance wouldn't cover me since I don't meet certain criteria for coverage. I looked into another hospital and they were about $21000 out of pocket. Sooo, where ever you're looking sounds the cheapest. Good luck. I know what a pain in the *** it is to pay for this! |
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mbrcatz
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Sorry, there's no way around it that I know of . .. |
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silverclrk
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No insurance company is going to allow you to get insurance from the for the sole purpose of having the surgery, especially with little or no out of pocket cost insurance companies are not Charity they are for profit if they pay it all for you were is there profit. stop eating cheese burgers it might be cheaper and healthier. |
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