Guest guest Posted July 21, 2004 Report Share Posted July 21, 2004 Alan, ol' buddy, Having been through my own trial-by-fire with CIGNA, you have my sympathy. When you get through this mess, there's a flamethrower waiting for you. ;-) Steve (bilat C+ 4/20/04, Amstutz) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 21, 2004 Report Share Posted July 21, 2004 Alan, ol' buddy, Having been through my own trial-by-fire with CIGNA, you have my sympathy. When you get through this mess, there's a flamethrower waiting for you. ;-) Steve (bilat C+ 4/20/04, Amstutz) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 21, 2004 Report Share Posted July 21, 2004 Alan, ol' buddy, Having been through my own trial-by-fire with CIGNA, you have my sympathy. When you get through this mess, there's a flamethrower waiting for you. ;-) Steve (bilat C+ 4/20/04, Amstutz) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 21, 2004 Report Share Posted July 21, 2004 Pamela, The issue is not one of desire, nor, really allegiance to Dr. Amstutz and JRI. It's economic necessity. The only way I can afford to have the surgery done ... if CIGNA pays nothing... is to take out a loan. I have the offers, but that's a lot of money to borrow...and payback for a long time. Not that I have any question it would be worth it; just that that's a huge amount of personal debt. (And sadly, my coverage is employer-sponsored -- as part of a group coverage plan. If I chose another plan, I'd have to pay entirely out of pocket...and that's about $600 a month.) I'll keep you apprised of developments. It's notes from people like you (and beginning with Peggy ) that make ask myself when I wake some mornings...why not just go to Ghent and get it done? The morning that I have the answer may dawn sooner than I expect. Thanks, Alan > Well I give Alan full marks for patience > Alan, if you can swing I would get on a plane to Belgium just as fast > as Koen can take you. I don't know too much about the US system but > it sounds like you can change companies and if I were you I'd do that too. > > Pamela > lbhr De Smet Oct 23/02 > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 21, 2004 Report Share Posted July 21, 2004 > Pamela, > > The issue is not one of desire, nor, really allegiance to Dr. Amstutz > and JRI. It's economic necessity. The only way I can afford to have > the surgery done ... if CIGNA pays nothing... is to take out a loan. > I have the offers, but that's a lot of money to borrow...and payback > for a long time. Not that I have any question it would be worth it; > just that that's a huge amount of personal debt. That's exactly what I did. A couple of months before the surgery, I took out a HELOC (Home Equity Line of Credit) with a maximum credit line of $85,000.00. I was fully prepared to go to Belgium if I had to, or even to pay JRI in cash. Unfortunately, not everyone has the means to do that. > (And sadly, my > coverage is employer-sponsored -- as part of a group coverage plan. > If I chose another plan, I'd have to pay entirely out of pocket...and > that's about $600 a month.) Same situation for me - and of course if you get private insurance on your own, they can refuse to cover pre-existing conditions. At least we're not among the 43 million Americans who have no health coverage at all. > I'll keep you apprised of developments. I'll keep the flamethrower fueled and ready to go. Steve (bilat C+ 4/20/04, Amstutz) Quote Link to comment Share on other sites More sharing options...
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