Re: a little tiny step closer!

[Guest guest]

Great news, Carole Things are moving in the right direction!! Good

luck with the smoking, certainly seeing progress toward the DS should

help!

Be Well, Meli

> Today, I filled out the form for my insurance at my new job. I was

never so

> excited to fill out an insurance form before in my life! From what

I have

> seen posted on other wls lists and at obesity.com, the ins. I will

have

> covers this (even DS) if medically necessary. I also found out

today that

> with the PPO coverage, they don't even require a referral! I can

go directly

> to any Dr. If I choose in network, I get 100% coverage - out of

network, I

> get 70%. I am still debating about this and will be seeing both OH

Drs, Dr.

> Hess and Dr. Maguire. I go for consult with Dr. Hess Monday Nov.

12th and I

> am scheduled for an Informational Session with Dr. Maguire Friday,

Nov.

> 16th. (Now I gotta figure out a way to get off work Monday and

Friday of

> that week for the whole day - I am sure if I say it is for a Dr.

appt they

> will wonder why I need the whole day, but it is because I live 3

hrs from Dr.

> Hess and 4 1/2 hrs from Dr. Maguire. I think I need to check both

of them

> out, since I know with Dr. Maguire he is in network and Dr. Hess

isn't,

> although his hospital is. I know they are both qualified good Drs.

> I am just so happy to finally get insurance so I can really start

this

> journey! I won't be insured till Oct. 1st, but I'm on my way now.

And I was

> pleasantly surprised that no referral from a PCP is required, even

if I go

> out of network. The ins. lady just said I would have to pay more

out of

> network and possibly they could bill me extra if they don't accept

their

> " reasonable and customary " amt. But I have heard that Dr. Hess

pretty much

> goes along with what they pay, but he requires $2500 up front

because they

> are so slow in paying, but then gives back the money if he gets

paid the

> minimum he wants.

> Now I have to quit smoking (pray for me that I can do that) and

keep the

> faith and courage. I think I'll do what one poster did, not think

about it

> till I am on the table and then let them knock me out and I won't

be able to

> think about it till its done!

> I know I still have some hurdles to go through and nothing is

certain till

> its done, but this is one step closer and made me happy today! Had

to share

> that with you all.

> Carole

[Guest guest]

a little tiny step closer!

> Today, I filled out the form for my insurance at my new job. I was never

so

> excited to fill out an insurance form before in my life! From what I have

> seen posted on other wls lists and at obesity.com, the ins. I will have

> covers this (even DS) if medically necessary. I also found out today that

Which insurance co. are you signing up with?

alyssa, who loooves PPOs...