Re: crappy interest rates!

[Guest guest]

Dear ,

I understand and sympathize, having been given the same runaround myself.

Hang in there!

Jon

>

>

> Hi Folks,

>

> I went to my teachers' credit union today to see how eligible I was for a

> loan if (more likely when) it is determined that I will be self-pay. I have

> one of those lovely exclusion policies for weight loss therapies. So I find

> out this evening that I qualify for $9,750.00 and at first I'm so excited!

> And then I listen to the message again to find out that the interest rate is

> only 14.3%. I can buy a car for 7%. I can buy a computer for 9%. I can save

> my life for 14.3%. My stomach is killing me. Tomorrow I am going to re-send

> my whole packet to the insurance company certified mail. They keep telling

> me that there is no record of having ever received anything from my PCP's

> office. Because my case is going through something called Utilization

> Review, I am not allowed to fax or send anything directly. It must all come

> from my PCP. There is also no one I am allowed to call to follow up. I was

> on the phone with my insurance company all afternoon Friday to find all this

> out. Additionally, they will only cover 50% of the CPAP that I just found

> out that I need for the moderate obstructive sleep apnea that I have. And

> they are also pissed because my physician didn't get pre-approval before

> ordering the sleep study and at first they wanted to pin the cost on me.

> Its all so backward. I feel like a little kid playing a grown-up game but

> all the players are bratty little kids who don't understand how to make a

> logical decision. And ironically, many children are much more empathetic and

> understanding than adults with money on the brains. END RANT.

>

> love to all,

>

> 26 year-old the special education teacher in MD

>

>

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[Guest guest]

Hi , don't give up. I am a self pay because my insurance said

that any thing to do with weight loss was excluded from my plan. I'm

not even going to fight it. Dr. R's office said it was almost

impossible to change an exclusion. But, anything is possible if you

work hard enough:>) I just don't have it in me to fight for such a

private issue. My husband and I decided to take a loan against our

house to pay for the surgery. The interest rate is about 9%. We

renegotiate in 5 years. We hope to pay it off by then with tax returns

ect.. Your health is absolutely worth every penny. I figure if I can

go into debt with student loans, what's a little debt for health and

happiness!! Best wishes to you and hopefully everything will work out.

Good luck!

[Guest guest]

In a message dated 11/7/00 6:01:53 PM Eastern Standard Time,

kmelter@... writes:

> My husband and I decided to take a loan against our

> house to pay for the surgery. The interest rate is about 9%. We

> renegotiate in 5 years. We hope to pay it off by then with tax returns

> ect.. Your health is absolutely worth every penny. I figure if I can

> go into debt with student loans, what's a little debt for health and

> happiness!!

As I pointed out to my husband when we self paid....the MGB is cheaper than a

funeral and we weren't insured for that either. My heart aches for every

person who fights the insurance battle and loses, but for me, it was the BEST

money I have ever spent on myself....

Safe journey,

MGB 03 MAY 00

03 NOV 00 -75 lbs!

Safely on the other side!!!!

Dr. Rutledge clos.net

Self-funded company plan administered by Interactive Medical

Denied on appeal as an excluded benefit

Self Pay