Has anyone appealed or sued post-op?

[Guest guest]

Good Luck, Vicki, but please be aware that you could develop complications

and wipe yourself out financially.

I had my surgery this past December, and had severe complications. As a

result, I was in the hospital for four weeks, and all told, my medical

expenses were well over $100,000. This doesn't include the two months I

went unpaid while out of work and not qualifying for disability insurance.

Thank goodness I had great coverage (United Healthcare) and they paid all

but my $250 deductible, but it would've taken me forever to pay it all back

if my insurance hadn't covered it.

After being out of work for two months and having such a long recovery, I

doubt I would've been very successful in being approved for a loan. The

bank would probably have had doubts about my job stability, and frankly

might think I couldn't recover sufficiently to return to work and pay back

the loan, if I didn't eventually die from my complications (possibly the

bank's opinion, not mine).

I wish you the best of luck, and hope that you don't have any complications

if you're paying for it all yourself. Please be careful!

Nan Coulter

>

>Reply-To: MiniGastricBypassonelist

>To: " MiniGastricBypassonelist " <MiniGastricBypassonelist>

>Subject: Has anyone appealed or sued post-op?

>Date: Tue, 04 May 1999 10:20:20 -0500

>

>

>

>I have approached this surgery from the standpoint that I will get it

>whether or not my insurance pays (no, I'm not rich. Just willing to

>borrow the money from the bank.).

>

>I am submitting everything to the insurance company, but will not allow

>it to hold up my progress at all. Have any of you gone ahead and had

>the surgery (and paid for the surgery) after a denial or while waiting

>for appeal and then gone after the insurance company to seek

>reimbursement? I'm ready to give it my best shot up front, but if they

>don't readily approve, go forward with the surgery (if allowed by Dr.

>R), pay the expenses with a loan, and then get a lawyer and go after

>it. The upside (hopefully) would be that your health would be steadily

>improving. What do you think?

>

>

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