insurance

[Guest guest]

I have my equipment insured through my business through Auto Owners. Would I loan it out? I doubt my insurance would cover that kind of damage, it will however if a problem happens from transport within the US or anything within my office.

Yours in Health,

Kathy

insurance

Hi All,

I woul like to know what kind of insurance QX practitioners are carrying on their equipment. Does everyone have the manufacturer's warranty or do you all have business/home insurance covering damage, loss or theft for replacement of the unit? Or does everyone have no insurance? I would like to know if anyone has had a malfunctioning box/unit and what they did to alleviate this?

I am contemplating loaning out my unit and am worried about damage to the unit. Has anyone done anything like this? Would like some feedback.

Thanks,

__________________________________________________

[Guest guest]

I understand that the software has intelligence that

learns from you how you work, so you shouldn't let

someone else use it unless it is reprogrammed, which

costs $850 plus shipping. If this is no longer true

or inaccurate, I hope someone will correct me.

--- Jackie <naturegirl32000@...> wrote:

> Hi All,

> I woul like to know what kind of insurance QX

> practitioners are carrying on their equipment. Does

> everyone have the manufacturer's warranty or do you

> all have business/home insurance covering damage,

> loss or theft for replacement of the unit? Or does

> everyone have no insurance? I would like to know if

> anyone has had a malfunctioning box/unit and what

> they did to alleviate this?

> I am contemplating loaning out my unit and am

> worried about damage to the unit. Has anyone done

> anything like this? Would like some feedback.

> Thanks,

>

>

> __________________________________________________

>

[Guest guest]

Hi Jackie,

I have my laptop/box insured under my office business policy as an individual item with it's value listed. If you don't have an office property/liability policy, you can find a personal lines insurance agent to write a policy called an "Inland Marine" policy. Mine is thru State Farm Insurance.

Wagner, DC-- Jackie wrote:

Hi All,

I woul like to know what kind of insurance QX practitioners are carrying on their equipment. Does everyone have the manufacturer's warranty or do you all have business/home insurance covering damage, loss or theft for replacement of the unit? Or does everyone have no insurance? I would like to know if anyone has had a malfunctioning box/unit and what they did to alleviate this?

I am contemplating loaning out my unit and am worried about damage to the unit. Has anyone done anything like this? Would like some feedback.

Thanks,

__________________________________________________

[Guest guest]

This is a Yes and a NO. To clarify: The machine does learn how your

techniques go, but as you learn the equipment the equipment also changes to

your uses. What you knew at the beginning and did will be nothing like what

you do after you become efficient on this machine. So what if someone else

used it? Then the machine thinks you changed your style or maybe learned new

areas, or are trying a new technique. But when you use it again it does

that new re-evaluating on your teaching. So, I have found no problem with

letting others use my equipment. In fact I have 3 techs who use mine in my

office. Now my home computer knows only me.

Yours in health,

Kathy

Re: insurance

>I understand that the software has intelligence that

> learns from you how you work, so you shouldn't let

> someone else use it unless it is reprogrammed, which

> costs $850 plus shipping. If this is no longer true

> or inaccurate, I hope someone will correct me.

>

> --- Jackie <naturegirl32000@...> wrote:

>

>> Hi All,

>> I woul like to know what kind of insurance QX

>> practitioners are carrying on their equipment. Does

>> everyone have the manufacturer's warranty or do you

>> all have business/home insurance covering damage,

>> loss or theft for replacement of the unit? Or does

>> everyone have no insurance? I would like to know if

>> anyone has had a malfunctioning box/unit and what

>> they did to alleviate this?

>> I am contemplating loaning out my unit and am

>> worried about damage to the unit. Has anyone done

>> anything like this? Would like some feedback.

>> Thanks,

>>

>>

>> __________________________________________________

>>

[Guest guest]

I'm afraid insurances can do any *^ & *^ & %^ thing they want. We

Bandsters are paying the price for what many insurance compnaies

found out, after they covered the bypass. Many of those poor people

had complications, often requiring more major surgeries, lengthy

complications and hospital stays, and worse. Very expensive for the

ins. companies, as you can imagine.

I'm not sure what your options are, but I'd suggest calling steve

Kalman, a banded attorney, for a no-charge consult. He has been

excellent in getting some claims approved, and might have some

suggestions for you. www.BandedLawyer.com

It may simply be that the ins. companies think you have a bypass, and

don't know enough about the Band - which has very few expensive

complications, and makes a huge difference in IMPROVING your health.

Writing a letter to them about all this might help - either you or

Steve K. Let me know if you need help - I have a whole list of

studies that show how much the band improves health, and prevents

future problems - which all translates into $$ saved by the ins.

companies.

Good luck - Sandy R

-- In , " lmwten4 " <lmwten4@m...>

wrote:

>

> I was banded last June, it was self pay.

> I just want you all to know what has happened to me, my insurance

went

> up 36% this month. Nothing to do with the band, just a normal

increase.

> While trying to find another health insurance co to go with, I

found 2

> that would be at least $200. cheaper per month, until they found

out

> that I had weight loss surgery. I was told I was not able to get

> insurance with any company and I should stay where I was. I never

> heard any of this before I got the band. I will have to pay over

$900.

> for insurance or have none at all. I tried to explain that is was

not

> gastric by pass. I was told they just group it all together. Just

> thought I would let you all know I am still in the state of shock.

>

>

[Guest guest]

, I can only imagine your frustrations for you and your son with this

situation. I don't know anything about your insurance but I've seen others

who have had problems getting insurance OK'd. Have the hospital, clinic

whatever it is too submit the application or whatever they do and then call

and ask for a case manager or nurse manager. Get somebody on your team to

push this thru. Surely you will need to get a team of people pushing for a

quicker resolution too this problem. But ask for a case manager fro BC/BS. I

live in Kansas but BC/BS has not drug their feet back here and so I don't

know why they would back there. Sounds to me like someone just doesn't want

to get involved in the paper work to push this ahead.

JMHO

I wish you well.

insurance

> My son was aided since an infant and became a very verbal oriented

> child. Two years ago, he lost his residual hearing in his left year,

> and than most recently, when he was playing basketball in school he

> hit his ear against the wall and he lost whatever hearing he had

> left in his right ear. Needless to say, he has been traumatized by

> this complete and sudden loss of his hearing, he cant stand the

> silence and hates struggling to communicate. Obviously, we went in

> to overdrive researching the cochlear implant and have met with 2

> different hospitals. After going through every emotion under the son

> we felt we finally started seeing the light....we found a great

> hospital....got great information on which implant, we were coming

> to terms with sending our son in to surgery....until we feel like we

> hit a brick wall. Our hospital called and said blue cross/blue

> shield of nj is the most difficult insurance company regarding the

> cochlear implant!!! She advised us that they typically take 6 months

> for an approval and than another 3 months after that to schedul

> surgery. My son cant come to grips with this complete hearing loss

> and now we have to sit for 9 months and wait.....we never thought

> our insurance would be the dificult part. Is there any other avenues

> we can seek to speed this up??? Any help would be greatly

> appreciated it.

> robert/rose budnick

> nj childrens hospital of philadelphia

>

>

>

>

>

>

>

>

>

[Guest guest]

Hi ,

I have a friend who recently started the process of being evaluated

for a CI. He has concerns about his insurance company's coverage

for cochlear implants. I'm not sure which CI you are looking at for

your son, but his audiologist says Cochlear Corp. has a very strong

insurance advocacy department that deals directly with the health

insurance companies over cochlear implant coverage issues. I would

imagine that the other CI companies would also have something

simliar. Have you tried contacting the CI company you are

considering to see if they can help with the insurance issue?

Best regards,

Jim

>

> My son was aided since an infant and became a very verbal oriented

> child. Two years ago, he lost his residual hearing in his left

year,

> and than most recently, when he was playing basketball in school

he

> hit his ear against the wall and he lost whatever hearing he had

> left in his right ear. Needless to say, he has been traumatized by

> this complete and sudden loss of his hearing, he cant stand the

> silence and hates struggling to communicate. Obviously, we went in

> to overdrive researching the cochlear implant and have met with 2

> different hospitals. After going through every emotion under the

son

> we felt we finally started seeing the light....we found a great

> hospital....got great information on which implant, we were coming

> to terms with sending our son in to surgery....until we feel like

we

> hit a brick wall. Our hospital called and said blue cross/blue

> shield of nj is the most difficult insurance company regarding the

> cochlear implant!!! She advised us that they typically take 6

months

> for an approval and than another 3 months after that to schedul

> surgery. My son cant come to grips with this complete hearing loss

> and now we have to sit for 9 months and wait.....we never thought

> our insurance would be the dificult part. Is there any other

avenues

> we can seek to speed this up??? Any help would be greatly

> appreciated it.

> robert/rose budnick

> nj childrens hospital of philadelphia

>

[Guest guest]

,

gave excellent advice. I'm guessing at another effort...having

the psychologist put some push into this application for benefits. Was

your son evaluated yet? That is a critical first step in being

approved for the CI surgery.

Freedom 9/21/05 HOOKED!!

>

> , I can only imagine your frustrations for you and your son

with this

> situation. I don't know anything about your insurance but I've seen

others

> who have had problems getting insurance OK'd. Have the hospital, clinic

> whatever it is too submit the application or whatever they do and

then call

> and ask for a case manager or nurse manager. Get somebody on your

team to

> push this thru. Surely you will need to get a team of people pushing

for a

> quicker resolution too this problem. But ask for a case manager fro

BC/BS. I

> live in Kansas but BC/BS has not drug their feet back here and so I

don't

> know why they would back there. Sounds to me like someone just

doesn't want

> to get involved in the paper work to push this ahead.

> JMHO

> I wish you well.

>

> insurance

>

>

> > My son was aided since an infant and became a very verbal oriented

> > child. Two years ago, he lost his residual hearing in his left year,

> > and than most recently, when he was playing basketball in school he

> > hit his ear against the wall and he lost whatever hearing he had

> > left in his right ear. Needless to say, he has been traumatized by

> > this complete and sudden loss of his hearing, he cant stand the

> > silence and hates struggling to communicate. Obviously, we went in

> > to overdrive researching the cochlear implant and have met with 2

> > different hospitals. After going through every emotion under the son

> > we felt we finally started seeing the light....we found a great

> > hospital....got great information on which implant, we were coming

> > to terms with sending our son in to surgery....until we feel like we

> > hit a brick wall. Our hospital called and said blue cross/blue

> > shield of nj is the most difficult insurance company regarding the

> > cochlear implant!!! She advised us that they typically take 6 months

> > for an approval and than another 3 months after that to schedul

> > surgery. My son cant come to grips with this complete hearing loss

> > and now we have to sit for 9 months and wait.....we never thought

> > our insurance would be the dificult part. Is there any other avenues

> > we can seek to speed this up??? Any help would be greatly

> > appreciated it.

> > robert/rose budnick

> > nj childrens hospital of philadelphia

> >

> >

> >

> >

> >

> >

> >

> >

> >

[Guest guest]

Hi Jim, my name is Debbie, I live in LA, I have had a very sudden hearing

loss and know the trauma

of losing your hearing. I lost all hearing in Feb 05, was referred to

Oschners in New Orleans, was

approved as a candidate for a CI by May and had surgery June 12, 2005. I

also have Blue Cross of

LA and did not have the least bit of problem with the coverage. They

approved and paid all bills.

I was so thankful I did not have to deal with the tiring ordeal of fighting

insurance, just the

overall adjustment was overwhelming. Hang in there, don't give up on Blue

Cross they just

might come thru for you and your son. Best Wishes, Debbie

>From: " ak_mustang2000 " <ak_mustang2000@...>

>Reply-

>

>Subject: Re: insurance

>Date: Mon, 09 Jan 2006 21:53:05 -0000

>

>Hi ,

>

>I have a friend who recently started the process of being evaluated

>for a CI. He has concerns about his insurance company's coverage

>for cochlear implants. I'm not sure which CI you are looking at for

>your son, but his audiologist says Cochlear Corp. has a very strong

>insurance advocacy department that deals directly with the health

>insurance companies over cochlear implant coverage issues. I would

>imagine that the other CI companies would also have something

>simliar. Have you tried contacting the CI company you are

>considering to see if they can help with the insurance issue?

>

>Best regards,

>

>Jim

>

>

> >

> > My son was aided since an infant and became a very verbal oriented

> > child. Two years ago, he lost his residual hearing in his left

>year,

> > and than most recently, when he was playing basketball in school

>he

> > hit his ear against the wall and he lost whatever hearing he had

> > left in his right ear. Needless to say, he has been traumatized by

> > this complete and sudden loss of his hearing, he cant stand the

> > silence and hates struggling to communicate. Obviously, we went in

> > to overdrive researching the cochlear implant and have met with 2

> > different hospitals. After going through every emotion under the

>son

> > we felt we finally started seeing the light....we found a great

> > hospital....got great information on which implant, we were coming

> > to terms with sending our son in to surgery....until we feel like

>we

> > hit a brick wall. Our hospital called and said blue cross/blue

> > shield of nj is the most difficult insurance company regarding the

> > cochlear implant!!! She advised us that they typically take 6

>months

> > for an approval and than another 3 months after that to schedul

> > surgery. My son cant come to grips with this complete hearing loss

> > and now we have to sit for 9 months and wait.....we never thought

> > our insurance would be the dificult part. Is there any other

>avenues

> > we can seek to speed this up??? Any help would be greatly

> > appreciated it.

> > robert/rose budnick

> > nj childrens hospital of philadelphia

> >

>

>

>

>

_________________________________________________________________

Don’t just search. Find. Check out the new MSN Search!

http://search.msn.click-url.com/go/onm00200636ave/direct/01/

[Guest guest]

Hi Debbie:

My insurance company was no problem at all. I was responding to

's post about his son's problem with Blue Cross Blue Shield of

NJ. My folks used to live in LaPlace, LA.

Jim

> > >

> > > My son was aided since an infant and became a very verbal

oriented

> > > child. Two years ago, he lost his residual hearing in his left

> >year,

> > > and than most recently, when he was playing basketball in

school

> >he

> > > hit his ear against the wall and he lost whatever hearing he

had

> > > left in his right ear. Needless to say, he has been

traumatized by

> > > this complete and sudden loss of his hearing, he cant stand the

> > > silence and hates struggling to communicate. Obviously, we

went in

> > > to overdrive researching the cochlear implant and have met

with 2

> > > different hospitals. After going through every emotion under

the

> >son

> > > we felt we finally started seeing the light....we found a great

> > > hospital....got great information on which implant, we were

coming

> > > to terms with sending our son in to surgery....until we feel

like

> >we

> > > hit a brick wall. Our hospital called and said blue cross/blue

> > > shield of nj is the most difficult insurance company regarding

the

> > > cochlear implant!!! She advised us that they typically take 6

> >months

> > > for an approval and than another 3 months after that to schedul

> > > surgery. My son cant come to grips with this complete hearing

loss

> > > and now we have to sit for 9 months and wait.....we never

thought

> > > our insurance would be the dificult part. Is there any other

> >avenues

> > > we can seek to speed this up??? Any help would be greatly

> > > appreciated it.

> > > robert/rose budnick

> > > nj childrens hospital of philadelphia

> > >

> >

> >

> >

> >

>

> _________________________________________________________________

> Don't just search. Find. Check out the new MSN Search!

> http://search.msn.click-url.com/go/onm00200636ave/direct/01/

>

[Guest guest]

Hi

Sorry to hear about your son. I know exactly how your son is going

through. i was profoundly deaf all my life and i used to be able to

hear good with my hearing aid. Until last summer I got bronchitis

and somehow ilost my hearing overnight during my illness. I became

more profoundly deaf--i could barely hear anything and the constant

ringing (24 hours) drove me nuts. I hated the silence, I used to

have this fear of complete silentness and it was such a horrific and

traumatic experience for me when my hearing aid could barely help.

Then in 2 or 3 months, my hearing came back a little but not like i

used to. I cannot still hear on the phone or hear people very well

like i used to.

I don't know how old your son is but it sounds like he's a teenage

boy because he could play basketball--tell him not to give up hope

and there is a chance that the hearing loss is temporarily--it may

take weeks tocome back. i was so devastated to find out in the

summer that it would take up to a year or more to get a CI. I had no

choice--had to cope and accept with it--move on and live with my

life the best i can. it's now January. half a year gone by..and I

willfind out my final candidacy for CI this friday. If i'm

successful, it will be 6 to 9 months wait list. the waiting is

torturous, but Ifound out that in canada, it used to be 2 years

waiting list.

I guess the most important thing is to give your son lots of love,

assurance that he will have lots of support, and listen to your son.

I wish you a lot of luck with the insurance company.

Regard,

Nora

>

> My son was aided since an infant and became a very verbal oriented

> child. Two years ago, he lost his residual hearing in his left

year,

> and than most recently, when he was playing basketball in school

he

> hit his ear against the wall and he lost whatever hearing he had

> left in his right ear. Needless to say, he has been traumatized by

> this complete and sudden loss of his hearing, he cant stand the

> silence and hates struggling to communicate. Obviously, we went in

> to overdrive researching the cochlear implant and have met with 2

> different hospitals. After going through every emotion under the

son

> we felt we finally started seeing the light....we found a great

> hospital....got great information on which implant, we were coming

> to terms with sending our son in to surgery....until we feel like

we

> hit a brick wall. Our hospital called and said blue cross/blue

> shield of nj is the most difficult insurance company regarding the

> cochlear implant!!! She advised us that they typically take 6

months

> for an approval and than another 3 months after that to schedul

> surgery. My son cant come to grips with this complete hearing loss

> and now we have to sit for 9 months and wait.....we never thought

> our insurance would be the dificult part. Is there any other

avenues

> we can seek to speed this up??? Any help would be greatly

> appreciated it.

> robert/rose budnick

> nj childrens hospital of philadelphia

>

[Guest guest]

Hi!

My son who is 15 broke the internal device of the implant last December and

he went through who while waiting for reimplant. He had nightmares, ringing

in the ear which was driving him mad and the fear of never hearing again. My

son would be more than happy to correspond with your son via email or chat.

This is what I got him to do. Find kids who had similar experience and talk

to them. That way he will know he is not alone in this.

I wish you every strength to cope with this.

Cheers

Jeedu

[Guest guest]

I am AP, my husband is LP, and I work at the hospital

here and have insurance through my work. They do

cover my husband, but not alot of insurances do.

Being of short staturedness, or dwarfism, some

insurances don't cover any of the conditions known to

be occuring with either. Mine did, but I made sure

before I added him on a year ago. They did cover his

surgery last month, but not sure how much. The one

thing you should do, is check with employers on the

benefits and see what is covered with their provider.

Good luck!

Deb Lang

--- skhowlett <skhowlett@...> wrote:

> If you all don't mind, I would like to know if it is

> possible to

> receive health insurance if you are a LP. If you can

> receive health

> insurance, is it the same benefits as a full size

> person? ANy

> information would be greatly appreciated. Thank you

>

>

>

>

__________________________________________________

[Guest guest]

Yes, if you such benefits are offered through an employer.

It is when you want to buy health insurance privately (yourself from an

agent) that you run into trouble.

-marty

>>> skhowlett@... 05/11/06 3:08 PM >>>

If you all don't mind, I would like to know if it is possible to

receive health insurance if you are a LP. If you can receive health

insurance, is it the same benefits as a full size person? ANy

information would be greatly appreciated. Thank you

===

[Guest guest]

The key to accessing health care coverage is to follow the law. A

discontinuation of health insurance coverage is a dangerous loophole that will

cause very serious consequences. The key to accessing health care coverage

(affordability is a separate issue) without discriminatory pre-existing clauses

is to have no lapse in coverage. Private, group and supplemental insurance is

100% obtainable if there is absolutely no break or discontinuation in coverage.

To avoid pre-existing clauses you must not let your current policy terminate.

In other words, existing policies must be renewed, or new policies purchased

prior to the expiration of your current policy.

Aucott

Re: insurance

Yes, if you such benefits are offered through an employer.

It is when you want to buy health insurance privately (yourself from an

agent) that you run into trouble.

-marty

>>> skhowlett@...<mailto:skhowlett@...> 05/11/06 3:08 PM >>>

If you all don't mind, I would like to know if it is possible to

receive health insurance if you are a LP. If you can receive health

insurance, is it the same benefits as a full size person? ANy

information would be greatly appreciated. Thank you

[Guest guest]

Does anyone know anything about insurance for practicing EFT? Who to get it

from, how much it is and what type of insurance? Would it be a Public Liability

Insurance?

Kaye x

Kaye Bewley, EFT-ADV Specialist Practioner in Depression (Anxiety & Phobias).

No Set Fee - Just a Donation Required! www.BESTherapies3.com FREE eBook

available to download from Depression Support Group:

http://uk./group.de-pression

[Guest guest]

Hi All, I was just sitting here thinking about that nasty thing called.....INSURANCE! You certainly do not want to be without it with the high cost of medical care...BUT...it seems most only want to do what they want to do NOT what is in the best interest...health wise...for their patient. I would certainly think this surgery would fall into the preventative medicine category! Prevent: heart disease; high blood pressure; diabetes; cancer, etc............ Seems they would rather pay and pay and pay and pay for all these high cost diseases and wait for the patient to eventually die than to cover something that in the long run has

to be less expensive and health wise...a better financial deal. And, are they even the ones that pay ??????? Look at the high cost of insurance premiums today. What in the world are we paying for if not good quality medical care? Kaiser, my insurance, has this thing going right now called THRIVE. They call you if you are late on a pap or mamagram.....BUT, do they help you at all through the nations worst epidemic?? OBESITY! Nope! Just my thoughts! E <henglis911@...> wrote: My daughter and I went the family loan option. It is a bit stressful borrowing 17 thousand from a parent, but... We were banded 6-4-07 and are quite happy thus far.> >> > Hi,> > I am considering on having the Lapband surgery,but my insurance want> > pay for it,and don't have the funds to pay for it,do anyone have any> > suggestion,please help me out.> > janice> >> > > >>joy4jane D.O.B. 6/21/07 BMI 66.9 Current - I will never tell goal - ? Dear God, If you can't make me thin please make my friends fat! NOT! [link=http://www.TickerFactory.com/weight-loss/wdO9o3J/][image noborder]http://tickers.TickerFactory.com/ezt/t/wdO9o3J/weight.png[/image]

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[Guest guest]

I was talking with a doctor here one time. He was some what of a captive audience at the time because he was cutting a cyst off of my arm and couldn't very well leave me unattended. We discussed the issue of the lack of insurance coverage for lapbands. His office was actually going to start the service themselves but they gave up when they heard from the insurance companies that they wouldn't pay for lapbands and he realized very few patients would pay the $22,000 (local going rate) out of pocket. Anyway, he said that the reason insurance companies won't pay this as opposed to paying for prescription drugs to deal with the problems of obesity really has nothing to do with the type of surgery it is. He said that the companies do not believe that people will stay with the same insurance company long enough for them to recoup their money...that the insured people are somewhat transient so they would end up losing money because if

they paid for this surgery, EVERYONE would have it done and they would lose too much. I guess that sort of makes good business sense but I think that is the biggest problem of all....the field of medicine has become nothing but a huge, corporate business. Anyway, I just found it interesting to get an American physician's opinion. Although paying for this surgery out of pocket made a huge hole in my savings account, there is a part of me that is so thankful that my insurance company didn't pay for it. If they had paid for it, I would have had the surgery here in Mobile, and I would have never been able to develop the relationship with the team from Mexicali. I wouldn't trade that for the world! What a blessing to have found this group! Jenni DOB 2/23/06 247/143/145 4 fills 2 unfills Temporarily

Portless (only a few more days!!) :)Jane Moss <joy4jane66@...> wrote: Hi All, I was just sitting here thinking about that nasty thing called.....INSURANCE! You certainly do not want to be without it with the high cost of medical care...BUT...it seems most only want to do what they want to do NOT

what is in the best interest...health wise...for their patient. I would certainly think this surgery would fall into the preventative medicine category! Prevent: heart disease; high blood pressure; diabetes; cancer, etc............ Seems they would rather pay and pay and pay and pay for all these high cost diseases and wait for the patient to eventually die than to cover something that in the long run has to be less expensive and health wise...a better financial deal. And, are they even the ones that pay ??????? Look at the high cost of insurance premiums today. What in the world are we paying for if not good quality medical care? Kaiser, my insurance, has this thing going right now called THRIVE. They call you if you are late on a pap or mamagram.....BUT, do they help you at all through the nations worst epidemic?? OBESITY! Nope! Just my thoughts! E <henglis911comcast (DOT) net> wrote: My daughter and I went the family loan option. It is a bit stressful borrowing 17 thousand from a parent, but... We were banded 6-4-07 and are quite happy thus far.> >> > Hi,> > I am considering on having the Lapband surgery,but my insurance want> > pay for it,and don't have the funds to pay for it,do anyone have any> > suggestion,please help me out.> > janice> >> > >

>> joy4jane D.O.B. 6/21/07 BMI 66.9 Current - I will never tell goal - ? Dear God, If you can't make me thin please make my friends fat! NOT! [link=http://www.TickerFactory.com/weight-loss/wdO9o3J/][image

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[Guest guest]

Jane....

Not sure I agree with you and I'll explain why.

It's just recently that studies and proof that the band works have come out. I'm not really sure the previous WLS have been cost effective. Look at bypass! Traditionally it costs the insurance company more to pay the claims for all the complications that happen. Stretching strictures, fixing leaks, nutritional deficiencies, all the gazillion labs bypass folks need on a regular basis for the rest of their lives...Osteoporosis alone can cost many many thousands of dollars for a single insured alone. Considering the fact that bypass patients don't absorb calcium like a normal person anymore they are at greater risk for bone loss then there are neuro problems due to other forms of nutrition they are lacking. MOST patients are not compliant with MD orders, can you imagine the horrors of bypass folks not following MD instructions?? Same with DS. Top that off with the massive weight gain after intestine grows back in a few years and the person is now fat with lots of medical complications. Where is the incentive for insurance co's to pay for bypass? WLS is really expensive in many ways, it's not just the initial surgery costs.

Then we have the same thing with DS.

Then there is the old band, it was a matter of stapling down most of the stomach and the staples break, infection forms, incisions leak, the band was not adjustable and people don't lose weight. The incentive of insurance companies would be... what?

The adjustable band was only approved in the US in 2001. No insurance co wants to fork out big bucks for something that hasn't even been proven to work. Thus far, the previous WLS do NOT work and they end up costing the insurance company a lot of money. The EARLY studies are just coming out on the band at this point. Insurance co's want to know the long term results and really, you can't blame them for that. Look at the huge losses on bypass they have had to pay out. And their insureds are fat once again but now with more problems than they started out with.

Besides, we all have our own pet issues we feel should be covered. Transplant patients want transplants at a whim and many want them repeatedly. One kidney fails, get another. Your liver fails again? Get another. Those are many times people that cost insurance co's hundreds of thousands of dollars per transplant. Cancer patients want the new designer drugs for chemo, those are $10,000 per DOSE and some of those drugs are given daily for a month. Every single person with an orphan disease wants their untested and unproven cures covered. Cancer patients want alternative medical care covered, that too is untested and unproven. People with poor vision want various eye procedures covered so they don't have to wear glasses. The list goes on for infinity.

The reality is that insurance companies are businesses and they are not designed to make you healthy, they just aren't. They are designed to turn a profit. There is no way any insurance company could cover every single issue that people want covered and still stay in business so for the time being we have what we have. We have something vs. nothing and let's not forget, many people (most??) have nothing.

So due to the above I can't really agree with you on this one.

On 6/13/07, Jane Moss <joy4jane66@...> wrote:

Hi All,

I was just sitting here thinking about that nasty thing called.....INSURANCE! You certainly do not want to be without it with the high cost of medical care...BUT...it seems most only want to do what they want to do NOT what is in the best interest...health wise...for their patient. I would certainly think this surgery would fall into the preventative medicine category! Prevent: heart disease; high blood pressure; diabetes; cancer, etc............

Seems they would rather pay and pay and pay and pay for all these high cost diseases and wait for the patient to eventually die than to cover something that in the long run has to be less expensive and health wise...a better financial deal.

And, are they even the ones that pay ??????? Look at the high cost of insurance premiums today. What in the world are we paying for if not good quality medical care?

Kaiser, my insurance, has this thing going right now called THRIVE.

They call you if you are late on a pap or mamagram.....BUT, do they help you at all through the nations worst epidemic?? OBESITY! Nope!

Just my thoughts!

E <henglis911@...> wrote:

My daughter and I went the family loan option. It is a bit stressful borrowing 17 thousand from a parent, but... We were banded 6-4-07 and are quite happy thus far.> >> > Hi,> > I am considering on having the Lapband surgery,but my insurance want> > pay for it,and don't have the funds to pay for it,do anyone have any

> > suggestion,please help me out.> > janice> >> > > >>

joy4jane

D.O.B. 6/21/07 BMI 66.9

Current - I will never tell goal - ?

Dear God, If you can't make me thin

please make my friends fat! NOT!

[link=http://www.TickerFactory.com/weight-

loss/wdO9o3J/][image noborder]http://tickers.TickerFactory.com/ezt/t/wdO9o3J/weight.png[/image]

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[Guest guest]

Hey, That is okay if we disagree....I was talking from a patient point of view and yours is an industry point of view. All good! Hopefully oneday we will all be there to prove that the band does work long term................. Bipley <Bipley@...> wrote: Jane.... Not sure I agree with you and I'll explain why. It's just recently that studies and proof that the band works have come out. I'm not really sure the previous WLS have been cost effective. Look at bypass! Traditionally it costs the insurance company more to pay the claims for all the complications that happen. Stretching strictures, fixing leaks, nutritional deficiencies, all the gazillion labs bypass folks need on a regular basis for the rest of their lives...Osteoporosis alone can cost many many thousands of dollars for a single insured alone. Considering the fact that bypass patients don't absorb calcium like a normal person anymore they are at greater risk

for bone loss then there are neuro problems due to other forms of nutrition they are lacking. MOST patients are not compliant with MD orders, can you imagine the horrors of bypass folks not following MD instructions?? Same with DS. Top that off with the massive weight gain after intestine grows back in a few years and the person is now fat with lots of medical complications. Where is the incentive for insurance co's to pay for bypass? WLS is really expensive in many ways, it's not just the initial surgery costs. Then we have the same thing with DS. Then there is the old band, it was a matter of stapling down most of the stomach and the staples break, infection forms, incisions leak, the band was not adjustable and people don't lose weight. The incentive of insurance companies would

be... what? The adjustable band was only approved in the US in 2001. No insurance co wants to fork out big bucks for something that hasn't even been proven to work. Thus far, the previous WLS do NOT work and they end up costing the insurance company a lot of money. The EARLY studies are just coming out on the band at this point. Insurance co's want to know the long term results and really, you can't blame them for that. Look at the huge losses on bypass they have had to pay out. And their insureds are fat once again but now with more problems than they started out with. Besides, we all have our own pet issues we feel should be covered. Transplant patients want transplants at a whim and many want them repeatedly. One kidney fails, get another. Your liver fails again? Get

another. Those are many times people that cost insurance co's hundreds of thousands of dollars per transplant. Cancer patients want the new designer drugs for chemo, those are $10,000 per DOSE and some of those drugs are given daily for a month. Every single person with an orphan disease wants their untested and unproven cures covered. Cancer patients want alternative medical care covered, that too is untested and unproven. People with poor vision want various eye procedures covered so they don't have to wear glasses. The list goes on for infinity. The reality is that insurance companies are businesses and they are not designed to make you healthy, they just aren't. They are designed to turn a profit. There is no way any insurance company could cover every single issue that people want covered and still stay in business so for the time being we

have what we have. We have something vs. nothing and let's not forget, many people (most??) have nothing. So due to the above I can't really agree with you on this one. On 6/13/07, Jane Moss <joy4jane66 > wrote: Hi All, I was just sitting here thinking about that nasty thing called.....INSURANCE! You certainly do not want to be without it with the high cost of medical care...BUT...it

seems most only want to do what they want to do NOT what is in the best interest...health wise...for their patient. I would certainly think this surgery would fall into the preventative medicine category! Prevent: heart disease; high blood pressure; diabetes; cancer, etc............ Seems they would rather pay and pay and pay and pay for all these high cost diseases and wait for the patient to eventually die than to cover something that in the long run has to be less expensive and health wise...a better financial deal. And, are they even the ones that pay ??????? Look at the high cost of insurance premiums today. What in the world are we paying for if not good

quality medical care? Kaiser, my insurance, has this thing going right now called THRIVE. They call you if you are late on a pap or mamagram.....BUT, do they help you at all through the nations worst epidemic?? OBESITY! Nope! Just my thoughts! E <henglis911comcast (DOT) net> wrote: My daughter and I went the family loan option. It is a bit stressful borrowing 17 thousand from a parent, but... We were banded 6-4-07 and are quite happy thus far.> >> > Hi,> > I am considering on having the Lapband surgery,but my insurance want> > pay for it,and don't have the funds to pay for it,do anyone have any > >

suggestion,please help me out.> > janice> >> > > >> joy4jane D.O.B. 6/21/07 BMI 66.9 Current - I will never tell goal - ? Dear God, If you can't make me thin please make my friends fat! NOT! [link=http://www.TickerFactory.com/weight- loss/wdO9o3J/][image noborder]http://tickers.TickerFactory.com/ezt/t/wdO9o3J/weight.png[/image] Choose the right car based on your needs. Check out Autos new Car Finder tool. joy4jane D.O.B. 6/21/07 BMI 66.9 Current - I will never tell goal - ? Dear God, If you can't make me thin please make my friends fat! NOT! [link=http://www.TickerFactory.com/weight-loss/wdO9o3J/][image noborder]http://tickers.TickerFactory.com/ezt/t/wdO9o3J/weight.png[/image]

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[Guest guest]

Hi again all....

I posted yesterday about considering lapband surgery with Dr. A and was hoping to get some input/advice from this group. I've decided to schedule my surgery for the end of July, but would REALLY appreciate hearing some stories of before/after and the hardest/easiest part of this process.... help!!!

thanks

Wild West Kennelhttp://www.cindysdogpack.com/(951) 956-4603See what's free at AOL.com.

[Guest guest]

>

>

>

> Although paying for this surgery out of pocket made a huge hole

in my savings account, there is a part of me that is so thankful that

my insurance company didn't pay for it. If they had paid for it, I

would have had the surgery here in Mobile, and I would have never

been able to develop the relationship with the team from Mexicali. I

wouldn't trade that for the world! What a blessing to have found

this group!

>

> Jenni

>

Jenni and all

After just returning from Mexicali I have to agree with you whole

heartedly! I hadn't seen most of the team since September of 2005

and it was like I had been there just a week ago!! What a great

group to be associated with--even the " new " ones that I had never met

before were like old friends or family. It is so motivating to stay

on track when you see all these people pulling for you--not to

mention the new patients who are so excited to be on this new

journey. It was a wonderful experience and I hope to be able to go

down again to visit all my friends (or should I say my lapband

family?)

BTW I sat in on Dr. Campos talk to the new patients AND the new

postop boot camp time table has changed since I received my band!

Someone correct me if I am wrong but I am sure he said 10 days clear

liquids, 10 days full liquids, and 10 days mushies and then begin

introducing soft foods slowly.

Congrats to all the new bandsters! Theresa, let us know how you are

doing. I was so glad to be able to meet you and Betty and all the

others who were banded that day. Enjoy your new journey!

Penny from Colorado

DOB 9/26/05

230/155/135-140

My new fill seems to be working great and weight is going back down!

[Guest guest]

> //I was just sitting here thinking about that nasty thing

called.....INSURANCE!// >

> // Kaiser, my insurance, has this thing going right now called

THRIVE.//

>

KAISER NOW PERFORMS LAP BAND SURGERY IN THE SAN FRANCISCO BAY AREA!

Kaiser SSF had been doing the surgery since approx October 2006 (1.5

years AFTER I had my surgery in Mexicali with Dr. Aceves.

I've gone to Kaiser for a fill (it cost only my $15 co-pay!!) but let

me tell you, the doctor could use a serious refresher course in

bedside manners. He was openly hostile and I held my tounge for

about the frist 5 minutes and then let him have it with just about

EVERY KAISER " JINGLE " THEY'VE EVER HAD ABOUT PUTTING THE

PATIENT/PATIENTS HEALTH FIRST INCLUDING THEIR NEWEST " THRIVE "

CAMPAIGN. I did send my PCP an email about the fill dr's piss poor

attitude though.... all that said, I got a fill and ended up way too

tight and had to go back for an unfill 2 weeks later. I am now

correctly adjusted and I'm ever so slowly dropping weight again.

For a bit of an update on me because I have NOT posted or

participated in a very long time - I had my surgery on 8/11/05 and

was a tight size 24/26. I have been a very comfortable size 14 and

quite happy with that for about 8 months. Now I've decided to try

for a 10/12 (or smaller) which is why I'm " putting up with " Dr.

Attitude. I do read the posts when I have time but I'd much rather

be out doing all the things I can do now that I wouldn't even dream

of doing before. My son, who'll be 8 at the end of the month is just

thrilled that Mom will go bike riding, hiking, to the beach...

things I'd NEVER do before. My husband thinks he hit the jackpot

with his same/NEW wife!

Hugs & Blessing to all of you out there - old friends & newbies alike

Liz

[Guest guest]

whooohoooo ,

I have also scheduled mine last of July...the 31st in fact. What is

your date and where are you from? I am from Arkansas. I posted on

yours from yesterday also.

R

>

> Hi again all....

>

> I posted yesterday about considering lapband surgery with Dr. A

and was

> hoping to get some input/advice from this group. I've decided to

schedule my

> surgery for the end of July, but would REALLY appreciate hearing

some stories of

> before/after and the hardest/easiest part of this process....

help!!!

>

> thanks

>

>

>

> Wild West Kennel

> _http://www.cindysdogpack.com/_ (http://www.cindysdogpack.com/)

> (951) 956-4603

>

>

>

> ************************************** See what's free at

http://www.aol.com.

>

[Guest guest]

Liz, Thank you for that bit of Kaiser information. My Kaiser facility, in Ontario, won't even talk about the lap-band and most of the dr's there won't talk about any kind of weight loss surgery. Fortunately for me the N.P. that I see is very supportive. Dr. Aveces wanted me to take a different medication than one I currently take. Do you think Kaiser would prescribe it for me? Absolutely not. So we went to Mexicalli on Monday and Dr. Compos wrote me a prescription. I start the new medication today...7 days before surgery..... joy4jane66 BMI 66.9 current - I won't tell goal -?? Fat Cat says, "Dear God, If you can't make me thin please make my friends fat! lizadeltastar <airbart@...> wrote: > //I was just sitting here thinking about that nasty thing called.....INSURANCE!// > > // Kaiser, my insurance,

has this thing going right now called THRIVE.// >KAISER NOW PERFORMS LAP BAND SURGERY IN THE SAN FRANCISCO BAY AREA! Kaiser SSF had been doing the surgery since approx October 2006 (1.5 years AFTER I had my surgery in Mexicali with Dr. Aceves. I've gone to Kaiser for a fill (it cost only my $15 co-pay!!) but let me tell you, the doctor could use a serious refresher course in bedside manners. He was openly hostile and I held my tounge for about the frist 5 minutes and then let him have it with just about EVERY KAISER "JINGLE" THEY'VE EVER HAD ABOUT PUTTING THE PATIENT/PATIENTS HEALTH FIRST INCLUDING THEIR NEWEST "THRIVE" CAMPAIGN. I did send my PCP an email about the fill dr's piss poor attitude though.... all that said, I got a fill and ended up way too tight and had to go back for an unfill 2 weeks later. I am now correctly adjusted and I'm ever so slowly dropping weight again. For a bit of an

update on me because I have NOT posted or participated in a very long time - I had my surgery on 8/11/05 and was a tight size 24/26. I have been a very comfortable size 14 and quite happy with that for about 8 months. Now I've decided to try for a 10/12 (or smaller) which is why I'm "putting up with" Dr. Attitude. I do read the posts when I have time but I'd much rather be out doing all the things I can do now that I wouldn't even dream of doing before. My son, who'll be 8 at the end of the month is just thrilled that Mom will go bike riding, hiking, to the beach... things I'd NEVER do before. My husband thinks he hit the jackpot with his same/NEW wife! Hugs & Blessing to all of you out there - old friends & newbies alikeLiz Pinpoint customers who are looking for what you sell.

Fussy? Opinionated? Impossible to please? Perfect. Join 's user panel and lay it on us.