So many of my friends on this site know this is my second insurance battle. I began in february with Kaiser, and there was a hidden exclusion no one told me about for months after I had jumped a million hoops.

Now I have BCBS through my step-father, and if you check all my posts, there is a very lame $7,500 cap that would leave me with THOUSANDS of dollars left and screw me even worse if anything happened after that that needed surgery that had to do with the band.

Nonetheless,...

Finally...some movement. Of course caused by me. I was scared this wasn't happening. I was devastated, the hospital wanted $4,500 up front (this is for the $7,500 lifetime max on my insurance)

TOTALLY IMPOSSIBLE for a broke full-time college student. I wasn't going to give up!

I called ALL the surgeons in my network and FINALLY found one that said they would bill the $4,500 to me and I would have the pay it later. As long as I could get the surgery I am happy.
...

Well, after being denied by Kaiser, and getting new Group Insurance with Blue Cross, I have just discovered I will no be able to afford the surgery because they have a $7,500 cap on it, and never cover fills. The lowest I would pay at Brown in Denver would be $5,000. I have to get this surgery for free, I have to...I just have to. I know others have, and I have to too.


I am looking at 2 more years of school, and until then I can't work more than part-time, and my bills are...

Bye Bye Kaiser, and thanks for NOTHING.

ehealthinsurance dot com just saved me a lot of time. I called this sweet rep named Shannon and she was straight up with me and said, "None of these plans include bariatric surgery, it's not an option with almost ALL individual plans."


HA!

Thanks, Kaiser. Geesh. I still e-mailed obesitylaw.com and to see if there was something I can do since an agent lied to me and said Bariatric Surgeon was included in individual policies.