Re: GUYS PLEASE PLEASE help me-IMPORTANT

[Guest guest]

,

So sorry to hear about your dilemna! Does your insurance company realize

that Dr. R's MINI-gb is more than likely MUCH cheaper than having a full open

gb? I checked with a Dr. here in my town who also does it, but the hospital

stay is 5 days MINIMUM, so the bill would be MUCH higher (not to mention the

surgeon charges $6,000)...just an idea, perhaps you could appeal to your

insurance company under those circumstances! Good luck to you!!!

Cindy Barker the PHAT chick in WV

[Guest guest]

Hi,

Go to the insurance info on the mgb page.. Look under the appeals

section, there is a sample letter from a lady that wanted to go out of

network,, they approved her.. She did a great job..

That is what I was going to base my appeal on if I would have had to

appeal. Thank goodness that I did not.. I was approved thru aetna..

Lots of luck,

[Guest guest]

Wish I could help ...{{{{Hugs}}}}}

At 04:53 PM 11/1/00 -0500, you wrote:

>Just me again:( OK now, I have my whole packet ready to send tomorrow. My

>insurance company was going to approve it but now will not due to the fact

>there is a doctor here who does the full gastric bypass. They will not

>approve because not only is Dr R out of network but I also do not have the

>option to go outside network according to Delaware's Medicaid rules and

>contracts. Now I am in super super tears. I was hoping to have my surgery

>in November. Does anyone know of where I can go for a loan for medical

>surgery. Due to past circumstances, my credit is not very good. My husband

>now makes over 60k but is self employed and no one will give us a loan. I

>have someone willing to cosign but I need to know where to go. The banks

>here will not give me a loan for that amount even with a strong co signer

>due to my own personal credit and being self employed for less than 2 years.

>Please email me personally if you have any advice. I do not own my own home

>so I can not take an equity loan out.

>

>In Tears for REAL

>

>

>

> Digest Number 2405

>

>