Re: I'm crying in Mississippi

[Guest guest]

Oh no!!! I am crying with you. The insurance companies are just not fair.

You know what I think. I think we should band together start up an insurance

company that offers WLS and watch the people leave all the other insurance

companies behind. If this was alcohol or drug addiction they would be doing

back flips to help. These people think that we can JUST LOSE THE WEIGHT that

is a big crock of you know what. Food is an addiction for me, it is

something I cannot live without. I am addicted to something that my body has

to have. The thing is that I give my body too much and the weight just pours

on. Why oh Why do these insurance companies have to torture those of us who

NEED this surgery. In some cases it is a matter of life and death. I am

here for you if you just want to talk. I have insurance approval but many of

my friends on this list do not and that effects me. Sending GREAT BIG HUGS

((((((((((((((((((((((((((((((((((((((HUG)))))))))))))))))))))))))))))))))))))

)))

Lara

[Guest guest]

Oh no!!! I am crying with you. The insurance companies are just not fair.

You know what I think. I think we should band together start up an insurance

company that offers WLS and watch the people leave all the other insurance

companies behind. If this was alcohol or drug addiction they would be doing

back flips to help. These people think that we can JUST LOSE THE WEIGHT that

is a big crock of you know what. Food is an addiction for me, it is

something I cannot live without. I am addicted to something that my body has

to have. The thing is that I give my body too much and the weight just pours

on. Why oh Why do these insurance companies have to torture those of us who

NEED this surgery. In some cases it is a matter of life and death. I am

here for you if you just want to talk. I have insurance approval but many of

my friends on this list do not and that effects me. Sending GREAT BIG HUGS

((((((((((((((((((((((((((((((((((((((HUG)))))))))))))))))))))))))))))))))))))

)))

Lara

[Guest guest]

Good Luck to you Leigh. I will be praying that something goes through for

you. I am very glad you got to do the dance with Dr. R. Be well and maybe

if we can find someone on this site that knows something about insurance then

maybe with contributions from those willing we can start a company and get

these people the surgery needed.

Lara

[Guest guest]

Good Luck to you Leigh. I will be praying that something goes through for

you. I am very glad you got to do the dance with Dr. R. Be well and maybe

if we can find someone on this site that knows something about insurance then

maybe with contributions from those willing we can start a company and get

these people the surgery needed.

Lara

[Guest guest]

Good Luck to you Leigh. I will be praying that something goes through for

you. I am very glad you got to do the dance with Dr. R. Be well and maybe

if we can find someone on this site that knows something about insurance then

maybe with contributions from those willing we can start a company and get

these people the surgery needed.

Lara

[Guest guest]

,

I am so sorry about the exclusion. I dont know if anyone has ever

fought an exclusion as specific as that and won. It would be worth

finding out. DO you have another insurance policy.....it sounded like

you do in the last letter? I will pray that they will be a lot more

merciful than BC BS. If not...there are STILL other options.

Borrow the money. 15 mos to pay it off is NOT an eternity

Do what I am doing....and plug away at life anyway

Ihave NO choice...I have anemia. Today I think if I ever had any

surgery that took any more micronutrients from my body I would NEVER

wake up....I am SOOOOOO tired. I have resigned myself that is

is " meant to be " sometimes for me NOT to have surgery.

That does not mean I am going to lay down and quit fighting for my

health.

I have options.Change insurance for one....Which is in the works.

So many paths to choose...sometimes we get the one that leads us

where WE want to go.....sometimes God chooses for us because he knows

where he wants us to go. Love and Peace......Remember this....this is

the only thing that comforts me.......Your children love you and need

you....fat or slim.Look in to their faces and find the innocent joy

of living and you will be able to carry on...until God leads you in

the direction he wants.

(sorry to be so mushy today must be the hormones)

MiniGastricBypass (AT) e, " " wrote:

> I am so upset. I need to be getting ready for my children's

ballgames and all I can do is sit here and cry and ask " WHY! "

>

> I just rec' the BCBS policy that I requested yesterday (fast). It

specifically says: Benefits will not be provided for the following:

> number 30:

> " Weight reductions programs or treatment for obesity including any

surgery for morbid obesity or for removal of excess fat or skin

following weight loss, " regardless of medical necessity " , or services

at a health spa or similar facility " .

>

> This is such a crock. They would rather pay hundreds of thousands

of dollars to treat the problems of obesity thank pay for the surgery

that works to help reduce the weight so that the majority of the time

the problems go completely away.

>

> I am praying Great West will be more open minded about this

surgery. I hope to find out soon.

>

> I'm sorry to bother all of you with this " again " but I am so

confused and desperate. I CAN NOT self pay and its looks like I am

running out of choices. Even if I save the money. I make about

$2,000/month. Even if I put back 1/2 of it, it will still take me 15

months to save it.

>

>

> Angie in Ms

> 5'3 " 240 BMI is 42

> Dr. Rutledge http://clos.net

> Found list 5/22

> Insurance...still waiting

> Sent packet ?

> Approved ?

> Surgery ?

>

>

>

[Guest guest]

,

I am so sorry about the exclusion. I dont know if anyone has ever

fought an exclusion as specific as that and won. It would be worth

finding out. DO you have another insurance policy.....it sounded like

you do in the last letter? I will pray that they will be a lot more

merciful than BC BS. If not...there are STILL other options.

Borrow the money. 15 mos to pay it off is NOT an eternity

Do what I am doing....and plug away at life anyway

Ihave NO choice...I have anemia. Today I think if I ever had any

surgery that took any more micronutrients from my body I would NEVER

wake up....I am SOOOOOO tired. I have resigned myself that is

is " meant to be " sometimes for me NOT to have surgery.

That does not mean I am going to lay down and quit fighting for my

health.

I have options.Change insurance for one....Which is in the works.

So many paths to choose...sometimes we get the one that leads us

where WE want to go.....sometimes God chooses for us because he knows

where he wants us to go. Love and Peace......Remember this....this is

the only thing that comforts me.......Your children love you and need

you....fat or slim.Look in to their faces and find the innocent joy

of living and you will be able to carry on...until God leads you in

the direction he wants.

(sorry to be so mushy today must be the hormones)

MiniGastricBypass (AT) e, " " wrote:

> I am so upset. I need to be getting ready for my children's

ballgames and all I can do is sit here and cry and ask " WHY! "

>

> I just rec' the BCBS policy that I requested yesterday (fast). It

specifically says: Benefits will not be provided for the following:

> number 30:

> " Weight reductions programs or treatment for obesity including any

surgery for morbid obesity or for removal of excess fat or skin

following weight loss, " regardless of medical necessity " , or services

at a health spa or similar facility " .

>

> This is such a crock. They would rather pay hundreds of thousands

of dollars to treat the problems of obesity thank pay for the surgery

that works to help reduce the weight so that the majority of the time

the problems go completely away.

>

> I am praying Great West will be more open minded about this

surgery. I hope to find out soon.

>

> I'm sorry to bother all of you with this " again " but I am so

confused and desperate. I CAN NOT self pay and its looks like I am

running out of choices. Even if I save the money. I make about

$2,000/month. Even if I put back 1/2 of it, it will still take me 15

months to save it.

>

>

> Angie in Ms

> 5'3 " 240 BMI is 42

> Dr. Rutledge http://clos.net

> Found list 5/22

> Insurance...still waiting

> Sent packet ?

> Approved ?

> Surgery ?

>

>

>

[Guest guest]

> , Thank you for responding to me. I feel so lost. My

children are the main reason I want this. My daughters are 12 and 8.

My 12 year old understands why Mommy can't play outside with her but

my 8 year old doesn't. My son is 1 and when he's old enough I want to

be able to do things with him outdoors. It breaks my heart to watch

the kids and my husband outside and not be able to join them for

walks or playing ball. To answer your questions:

> DO you have another insurance policy.....it sounded like

> you do in the last letter?

>

> No, I just started full time where I work and I am waiting on the

HR department to get me a copy of the policy before I enroll in it.

Ithasn't come in yet, hopefully next week it will.

>

>

> Borrow the money. 15 mos to pay it off is NOT an eternity.

>

> We filed bankruptcy in 95 and can't get a loan for that much.

believe me, if I could I would in a split second and pay it off

without ever thinking twice about insurance.

>

> Thanks again,

> Angie

> Hi Angie,

I am so sorry but really and truly I would not consider self-pay

unless you have something to fall back on. There is always that

chance of a complication, and complications can be very costly with

no insurance, especially if you have little ones to worry about.

> I can only imagine how disappointed you are, I will be praying that

something will open up for you!!

Good Luck!!

Marie

>

[Guest guest]

> , Thank you for responding to me. I feel so lost. My

children are the main reason I want this. My daughters are 12 and 8.

My 12 year old understands why Mommy can't play outside with her but

my 8 year old doesn't. My son is 1 and when he's old enough I want to

be able to do things with him outdoors. It breaks my heart to watch

the kids and my husband outside and not be able to join them for

walks or playing ball. To answer your questions:

> DO you have another insurance policy.....it sounded like

> you do in the last letter?

>

> No, I just started full time where I work and I am waiting on the

HR department to get me a copy of the policy before I enroll in it.

Ithasn't come in yet, hopefully next week it will.

>

>

> Borrow the money. 15 mos to pay it off is NOT an eternity.

>

> We filed bankruptcy in 95 and can't get a loan for that much.

believe me, if I could I would in a split second and pay it off

without ever thinking twice about insurance.

>

> Thanks again,

> Angie

> Hi Angie,

I am so sorry but really and truly I would not consider self-pay

unless you have something to fall back on. There is always that

chance of a complication, and complications can be very costly with

no insurance, especially if you have little ones to worry about.

> I can only imagine how disappointed you are, I will be praying that

something will open up for you!!

Good Luck!!

Marie

>

[Guest guest]

> , Thank you for responding to me. I feel so lost. My

children are the main reason I want this. My daughters are 12 and 8.

My 12 year old understands why Mommy can't play outside with her but

my 8 year old doesn't. My son is 1 and when he's old enough I want to

be able to do things with him outdoors. It breaks my heart to watch

the kids and my husband outside and not be able to join them for

walks or playing ball. To answer your questions:

> DO you have another insurance policy.....it sounded like

> you do in the last letter?

>

> No, I just started full time where I work and I am waiting on the

HR department to get me a copy of the policy before I enroll in it.

Ithasn't come in yet, hopefully next week it will.

>

>

> Borrow the money. 15 mos to pay it off is NOT an eternity.

>

> We filed bankruptcy in 95 and can't get a loan for that much.

believe me, if I could I would in a split second and pay it off

without ever thinking twice about insurance.

>

> Thanks again,

> Angie

> Hi Angie,

I am so sorry but really and truly I would not consider self-pay

unless you have something to fall back on. There is always that

chance of a complication, and complications can be very costly with

no insurance, especially if you have little ones to worry about.

> I can only imagine how disappointed you are, I will be praying that

something will open up for you!!

Good Luck!!

Marie

>

[Guest guest]

OOOOOOOOOHHH Lara!!!! I had the exact same thought about starting

our own company just last week. I paid for my surgery and I am in

the process of filing complaints with the Department of Insurance

here in KY to see what I can get out of it. I've also been told by

people who work at insurance companies to go ahead and submit for

reimbursement for the surgery - because there is always a relatively

good chance that someone will screw up and pay it!!! Those people

don't know what each other is doing and they have such a HUGE volume

of work that things get screwed up all of the time. So I am trying

both avenues for reimbursement - the screw up and the complaint -

We'll see what happens!!!!

Leigh in KY

MGB 05/12/2000

-23 so far

> Oh no!!! I am crying with you. The insurance companies are just

not fair.

> You know what I think. I think we should band together start up an

insurance

> company that offers WLS and watch the people leave all the other

insurance

> companies behind. If this was alcohol or drug addiction they would

be doing

> back flips to help. These people think that we can JUST LOSE THE

WEIGHT that

> is a big crock of you know what. Food is an addiction for me, it

is

> something I cannot live without. I am addicted to something that

my body has

> to have. The thing is that I give my body too much and the weight

just pours

> on. Why oh Why do these insurance companies have to torture those

of us who

> NEED this surgery. In some cases it is a matter of life and

death. I am

> here for you if you just want to talk. I have insurance approval

but many of

> my friends on this list do not and that effects me. Sending GREAT

BIG HUGS

>

((((((((((((((((((((((((((((((((((((((HUG)))))))))))))))))))))))))))))

))))))))

> )))

> Lara

[Guest guest]

,

I have BCBS of Oklahoma and it will not cover obesity either. HOWEVER,

the DO cover MORBID OBESITY. You may want to try going that route.

a

wrote:

>

> I am so upset. I need to be getting ready for my children's ballgames and all

I can do is sit here and cry and ask " WHY! "

>