By: Neva Marjory

Neva Marjory — Thu, 30 Oct 2003 13:41:40 +0000

The problem I am having with my ins. includes an
exclusion. Had they just worded the exclusion differently, I
would not be having such a hard time with them paying.
In the exclusion, it specifically states…that for
no reason, medically necessary or not, they will not
cover any means to reduce weight, surgically or
otherwise for obesity or morbid obesity. They had thought
out their exclusion very well it appears. My doctors
office works with someone particular and said we don’t
have a leg to stand on. That is why I have decided to
self-pay this early on. Why add another $1,000.00 to a
bill that is already going to end up running
$14,000.00? I am basically choosing to cut my losses. I
figure a 5 year loan and living long enough to pay it
out is better than the other option.lol. Also, I

figure, I have wasted more time, effort, and money on
things far less important than this before.

Well,
anyways, I’ll be sitting here the next 2 weeks sweating it
out until my tentative date of April 3rd rolls
around. Can’t wait to get on the other side, where the
grass really is greener!

Tracy

By: Neva Marjory

Neva Marjory — Mon, 27 Oct 2003 00:09:03 +0000

Tracy, try an appeal first. You can state your
case, and maybe even just get them to agree to pay a
portion of it. This surgery is very expensive and dont
put yourself that deep in debt if theres a chance
insurance will pay for it.
You can usually get an appeal
within a few weeks. Ask for a board appeal so they have
to seeyou in person.

Comments on: Good and Bad News…….

By: Neva Marjory

By: Neva Marjory