help needed, I don't usually share such as this, but you are MGB family

[Guest guest]

I finally spoke with the insurance adjuster from Employee Benefits

Services-Charlotte, today. He stated Novartis Animal Health excludes

obesity in all their plans, however there is no wording against " morbid "

obesity. He has submitted Doctor Rutledge's documents along with my

primary care doctor's documents. I started this October 25. The

documents were submitted, (don't know why so long) on 11/7. A conference

call with Novartis was held last Monday. I was not allowed to

participate, nor was my spouse. He told me representatives have told him

that I am calling and there is no information to be told. I stated it

was correct and I would continue to call and do whatever it takes to get

it approved, even if it means changing insurance. The adjuster said all

their plans exclude obesity. Basically it is denied until Novartis says

something different. I told him should I submit " an appeal letter "

because I have that ready. He said no, but the only other way would be

for them to " write " it into their plan. In closing he said Novartis said

they would have an answer next week.

Okay, of course I am upset, frightened and angry. Something I have not

told is that while Dr. Rutledge was working on trauma in Chapel Hill,

unfortunately my mom was in another part of the hospital dying from

cancer, heart attack and morbid obesity. It is hell, I am scared each

day, I look more and more like her. I am afraid for my life. I have no

idea how much she weighed, but I do know her hell and quality of life.

She was a prisoner in our home. In the hospital they said she must gain

weight on air, because she was not eating anything. This is genetics and

I am frightened as hell that I will be like her, dying and leaving my

children and husband behind. It plagues me. And I find something that

will help me, the gastric bypass and I am at a roadblock.

I have no means to self pay, I have exhausted my 401k and retirement

starting up my own business (and paying bills) because I was

discriminated from my last job, had a car accident, and then

discriminated again in applying for another job. So strong that I know

the person they hired, she worked for me, was not certified and so on,

but was blonde, petite and flirted madly. This is a fact, she got the

job and called and told me. But will anyone tell the truth that they

hired the 125 girl as opposed to the 348. Not in this day and time.

Honestly I don't think I could work full time and stand. I get winded

easily, have real knee and joint pain, along with back irritation. That

is reality and scary too that for the first time since I started work,

that I can't do it anymore. I have no family members, only a sister that

is unable to help financially. She would do it though if she could.

(I'll attach her family letter)

I am putting this all behind me and the discrimination, however, can you

think of ANYTHING that I can do? I would sell my car, but it is not

worth 10k. Please, this is begging. I am at a loss. I have been

listening since September. I feel that I know each and everyone well.

Do you believe there is hope that a big company will write this into

their plan and not for an employee, but his spouse? I am doubtful and

scared. Please, if you think of anything. I would sure appreciate it.

Thank you. Larice

[Guest guest]

Hi ,

I cant afford much either but I am willing to chip in a few dollars for

Larice also. I think that if we all contribute some she just might be able to

have her chance to dance with the doc.

Pat Iurato

Nevada pre op

[Guest guest]

Larice,

First of all, I will say I understand how you feel. My

mother died at the age of 50. I am scared too. I am

still waiting to get approval from Dr. R but my

insurance has all ready approved me. The best thing I

can do for you is pray. I promise to do that. God can

do ANYTHING! I know that for a fact. Now the second

thing is this....I can't afford to pay for your

surgery but I would be willing do what I can. If

anyone else on this list can help maybe we can pull

some $$$ together if it's Gods will.

Another thought...

Have you checked to see if there are any laws

concerning this type of descrimination by the

insurance company, in your state?

I WILL BE PRAYING!

Waitin...

--- artstart@... wrote:

> I finally spoke with the insurance adjuster from

> Employee Benefits

> Services-Charlotte, today. He stated Novartis

> Animal Health excludes

> obesity in all their plans, however there is no

> wording against " morbid "

> obesity. He has submitted Doctor Rutledge's

> documents along with my

> primary care doctor's documents. I started this

> October 25. The

> documents were submitted, (don't know why so long)

> on 11/7. A conference

> call with Novartis was held last Monday. I was not

> allowed to

> participate, nor was my spouse. He told me

> representatives have told him

> that I am calling and there is no information to be

> told. I stated it

> was correct and I would continue to call and do

> whatever it takes to get

> it approved, even if it means changing insurance.

> The adjuster said all

> their plans exclude obesity. Basically it is denied

> until Novartis says

> something different. I told him should I submit " an

> appeal letter "

> because I have that ready. He said no, but the only

> other way would be

> for them to " write " it into their plan. In closing

> he said Novartis said

> they would have an answer next week.

>

>

> Okay, of course I am upset, frightened and angry.

> Something I have not

> told is that while Dr. Rutledge was working on

> trauma in Chapel Hill,

> unfortunately my mom was in another part of the

> hospital dying from

> cancer, heart attack and morbid obesity. It is

> hell, I am scared each

> day, I look more and more like her. I am afraid for

> my life. I have no

> idea how much she weighed, but I do know her hell

> and quality of life.

> She was a prisoner in our home. In the hospital

> they said she must gain

> weight on air, because she was not eating anything.

> This is genetics and

> I am frightened as hell that I will be like her,

> dying and leaving my

> children and husband behind. It plagues me. And I

> find something that

> will help me, the gastric bypass and I am at a

> roadblock.

>

> I have no means to self pay, I have exhausted my

> 401k and retirement

> starting up my own business (and paying bills)

> because I was

> discriminated from my last job, had a car accident,

> and then

> discriminated again in applying for another job. So

> strong that I know

> the person they hired, she worked for me, was not

> certified and so on,

> but was blonde, petite and flirted madly. This is a

> fact, she got the

> job and called and told me. But will anyone tell

> the truth that they

> hired the 125 girl as opposed to the 348. Not in

> this day and time.

> Honestly I don't think I could work full time and

> stand. I get winded

> easily, have real knee and joint pain, along with

> back irritation. That

> is reality and scary too that for the first time

> since I started work,

> that I can't do it anymore. I have no family

> members, only a sister that

> is unable to help financially. She would do it

> though if she could.

> (I'll attach her family letter)

>

> I am putting this all behind me and the

> discrimination, however, can you

> think of ANYTHING that I can do? I would sell my

> car, but it is not

> worth 10k. Please, this is begging. I am at a

> loss. I have been

> listening since September. I feel that I know each

> and everyone well.

> Do you believe there is hope that a big company will

> write this into

> their plan and not for an employee, but his spouse?

> I am doubtful and

> scared. Please, if you think of anything. I would

> sure appreciate it.

> Thank you. Larice

>

>

[Guest guest]

Count me in on this....

Trudy

Re: help needed, I don't usually share such as

this, but you are MGB family

Hi ,

I cant afford much either but I am willing to chip in a few dollars for

Larice also. I think that if we all contribute some she just might be able to

have her chance to dance with the doc.

Pat Iurato

Nevada pre op

[Guest guest]

What a wonderful idea! Is there someone who can figure out all the

details to get this done?

Count me in. I will give whatever I can towards it. I was probably

abused with a slide ruler and have repressed it, I have noooo math skills

beyond those that compare with my 5 year old.

________________________________________________________________

GET INTERNET ACCESS FROM JUNO!

Juno offers FREE or PREMIUM Internet access for less!

Join Juno today! For your FREE software, visit:

http://dl.www.juno.com/get/tagj.