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Question about self paying

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Has anyone looked into whether or not your insurance would kick in

and cover complications during or after surgery? I am concerned that

if God forbid, something bad happened would you be financially liable

for all of the treatment due to the complication, clots, infection,

stroke, etc. Someone suggested moveing all of my assets to my wife's

name before surgery. Anybody know about this? I called United

HealthCare twice and got two totally opposite answers.

BMI=59

Just denied by UHC

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