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Self Pay Jitters

Started by schmidty42, Jun 25, 2011 8:37 PM

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schmidty42 #1

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Posted June 25, 2011 - 8:37 PM

I'm scheduled to have surgery on 7/14/11. My insurance is not covering the surgery so I'm self pay. I'm using all my money for the surgery so I'm worried something will go wrong (ie. port flip, band slip) and I will have to have surgery again and pay for it. Should I be having this surgery if I'm self pay with no money? The followup on fills/adjustments I'll be able to handle but if anything goes wrong, I'm probably screwed. Any suggestions or thoughts?
Debora Anne #2

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Posted June 25, 2011 - 8:42 PM

Check with your insurance company..I was self pay however "if complications arise during or from from the surgery " my insurance company will pay

Good luck :lol:


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Surgery True Results San Antonio Dr Wright 6/8/2011

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Third Goal down 43lbs by 10/1/- MET!!!!!!!!!!!!!
overthemoon00 #3

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Posted June 25, 2011 - 8:44 PM

im self pay as well.... I had surgery on 5/31/11... My fills/ visits are included for the first year... I was just willing to take the chance..... I had enough money for the surgery but no savings for a redo..... I needed to take the risk to have a better life.... If something ever happens, Ill have to figure it out then.... I guess everyones view on it will be different.... I say go for it!!!!!! I dont regret it!!!! Ive lost 20lbs so far! Good luck in whatever you choose!!!! :)













View Postschmidty42, on June 25, 2011 - 8:37 PM, said:

I'm scheduled to have surgery on 7/14/11. My insurance is not covering the surgery so I'm self pay. I'm using all my money for the surgery so I'm worried something will go wrong (ie. port flip, band slip) and I will have to have surgery again and pay for it. Should I be having this surgery if I'm self pay with no money? The followup on fills/adjustments I'll be able to handle but if anything goes wrong, I'm probably screwed. Any suggestions or thoughts?

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schmidty42 #4

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Posted June 25, 2011 - 8:49 PM

Thanks for the idea. I'll definitey check into it.

View PostDebora Anne, on June 25, 2011 - 8:42 PM, said:

Check with your insurance company..I was self pay however "if complications arise during or from from the surgery " my insurance company will pay

Good luck :lol:

schmidty42 #5

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Posted June 25, 2011 - 8:51 PM

I appreciate your opinion. It definitely helps knowing someone else is/was in the same boat. Congratulations on your success so far!

View PostRockinlap, on June 25, 2011 - 8:44 PM, said:

im self pay as well.... I had surgery on 5/31/11... My fills/ visits are included for the first year... I was just willing to take the chance..... I had enough money for the surgery but no savings for a redo..... I needed to take the risk to have a better life.... If something ever happens, Ill have to figure it out then.... I guess everyones view on it will be different.... I say go for it!!!!!! I dont regret it!!!! Ive lost 20lbs so far! Good luck in whatever you choose!!!! :)















Rachel412 #6

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Posted June 25, 2011 - 8:53 PM

To be completely honest... if I was self-pay I don't think I'd get the band. It requires too much medical maintenance.

Realize Banded 4/12/11

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fills: 5/19 +4cc ~~ 6/9 +2cc ~~ 6/23 +.75cc ~~ 7/7 +.5cc~~ 8/30 +.5cc ~~ 10/18 +.5cc= 8.25 cc in 11 cc band

jennifer1 #7

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Posted June 25, 2011 - 9:23 PM

I am self pay as well and i am trusting God that if something were to arise that I would be able to take care of it. I cant worry about things that are not promised to happen. I've trusted him thus far no need to stop now. I hope i didnt offend you with my God referencre but that's how i'm handling it.
starting weight: 242lbs
current weight: 203lbs

starting size: 18-20
current size: 12

Date of surgery: 05/20/11
schmidty42 #8

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Posted June 25, 2011 - 9:36 PM

Yeah, there is quite a bit a maintenance. I really need to think about it. Thanks.

View PostRachel412, on June 25, 2011 - 8:53 PM, said:

To be completely honest... if I was self-pay I don't think I'd get the band. It requires too much medical maintenance.

schmidty42 #9

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Posted June 25, 2011 - 9:39 PM

I do need to trust in God. It just hard when you read about all the problems people have on this site. I get a bit nervous. I'll be doing some praying tonight. Thanks.

View Postjennifer1, on June 25, 2011 - 9:23 PM, said:

I am self pay as well and i am trusting God that if something were to arise that I would be able to take care of it. I cant worry about things that are not promised to happen. I've trusted him thus far no need to stop now. I hope i didnt offend you with my God referencre but that's how i'm handling it.



DarleneRN #10

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Posted June 26, 2011 - 6:00 AM

View PostDebora Anne, on June 25, 2011 - 8:42 PM, said:

Check with your insurance company..I was self pay however "if complications arise during or from from the surgery " my insurance company will pay

Good luck :lol:

DarleneRN #11

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Posted June 26, 2011 - 6:07 AM

I am self pay too. In fact I am financing through care credit. I feel that life is short and I would pay anything to be feel fit and be healthy,,,time to put my money where my mouth is (I've certainly put everything else there)! I'll have pymts of approx. $200.00 a month for a 5 yrs. I spend at least 200 monthly on restaurants, fast food, and junk food. I am 48 yrs old and am having a 'Life Changing Event'! Surgery is tomorrow! Wish me luck and I wish you success and happiness!!!
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Posted June 26, 2011 - 7:04 AM

View Postschmidty42, on June 25, 2011 - 8:37 PM, said:

I'm scheduled to have surgery on 7/14/11. My insurance is not covering the surgery so I'm self pay. I'm using all my money for the surgery so I'm worried something will go wrong (ie. port flip, band slip) and I will have to have surgery again and pay for it. Should I be having this surgery if I'm self pay with no money? The followup on fills/adjustments I'll be able to handle but if anything goes wrong, I'm probably screwed. Any suggestions or thoughts?


I was a self pay and also worried. I have had no issues so far. The cost of my surgery included one year of refills. After that I hope to only have to go in for adjustments twice a year. I should be at my goal weight in the first year based on the weight loss I had since my surgery.
Good luck!!!!!
<p>Sandy M.
April 20, 2011
Dr. Hollis
True Results Houston, TX
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Jack'sMom #13

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Posted June 26, 2011 - 7:08 AM

Self pay here, too. I was blessed to have the offer of zero percent financing from someone who loves me! Was banded on the 22nd and am still having a little abdominal pain from incisions, but nothing that I can't walk through. I decided that it was a good investment of my income when I considered my ability to see my grandchildren grow up. I want to be the Grandma who participates, who goes and does and who is a happy part of their childhoods. That, for me, is priceless! And compared to the amount of money that I was spending on tearing down my temple, it's not all that expensive.
Hope you find a peace about your decision, I did!


schmidty42 #14

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Posted June 26, 2011 - 8:35 AM

Thanks everyone for your comments (both for and against self-pay). It's been very helpful in making my decision. I'm going to continue on the path toward bandhood. Posted Image Please feel free to continue responding since I truly enjoy reading everyone's comments.
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Posted June 27, 2011 - 5:54 PM

View PostDarleneRN, on June 26, 2011 - 6:07 AM, said:

I am self pay too. In fact I am financing through care credit. I feel that life is short and I would pay anything to be feel fit and be healthy,,,time to put my money where my mouth is (I've certainly put everything else there)! I'll have pymts of approx. $200.00 a month for a 5 yrs. I spend at least 200 monthly on restaurants, fast food, and junk food. I am 48 yrs old and am having a 'Life Changing Event'! Surgery is tomorrow! Wish me luck and I wish you success and happiness!!!


Good luck! I'm a self-pay also. Got banded June 24, 2011. I'm still adjusting to the protein drinks etc. Yuck! Haven't been able to drink everything I'm suppose to but everything is suppose to loosen up some eventually.
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Posted June 28, 2011 - 6:55 PM

View PostDarleneRN, on June 26, 2011 - 6:07 AM, said:

I am self pay too. In fact I am financing through care credit. I feel that life is short and I would pay anything to be feel fit and be healthy,,,time to put my money where my mouth is (I've certainly put everything else there)! I'll have pymts of approx. $200.00 a month for a 5 yrs. I spend at least 200 monthly on restaurants, fast food, and junk food. I am 48 yrs old and am having a 'Life Changing Event'! Surgery is tomorrow! Wish me luck and I wish you success and happiness!!!


What a great attitude. You will be successful if you maintain this outlook. Hope I can feel the same as soon as I can get this scheduled. I also am Self-Pay and am trusting that I will make this through.
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Posted June 28, 2011 - 7:15 PM

View Postschmidty42, on June 25, 2011 - 8:37 PM, said:

I'm scheduled to have surgery on 7/14/11. My insurance is not covering the surgery so I'm self pay. I'm using all my money for the surgery so I'm worried something will go wrong (ie. port flip, band slip) and I will have to have surgery again and pay for it. Should I be having this surgery if I'm self pay with no money? The followup on fills/adjustments I'll be able to handle but if anything goes wrong, I'm probably screwed. Any suggestions or thoughts?

Oh my gosh --- I'm having Dr. G too !! I'm a 50% pay (have they given you any idea what the cost will be?) but people I have talked to (who did more research that I did) say he is wonderful. I met a nurse in our group session this past weekend who works at UofM hospital. She drives from west of Ann Arbor for Dr. G and she said he's better than anyone at UM. He'll do a fine job for you ... you'll do a fine job for yourself ... you are worth it !



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Posted June 29, 2011 - 12:34 PM

View PostDebora Anne, on June 25, 2011 - 8:42 PM, said:

Check with your insurance company..I was self pay however "if complications arise during or from from the surgery " my insurance company will pay

Good luck :lol:
I am also a self pay and this is my understanding -if complications arise they will step in.

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Surgery: June 27, 2011
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Posted June 29, 2011 - 5:06 PM

View Postschmidty42, on June 25, 2011 - 8:37 PM, said:

I'm scheduled to have surgery on 7/14/11. My insurance is not covering the surgery so I'm self pay. I'm using all my money for the surgery so I'm worried something will go wrong (ie. port flip, band slip) and I will have to have surgery again and pay for it. Should I be having this surgery if I'm self pay with no money? The followup on fills/adjustments I'll be able to handle but if anything goes wrong, I'm probably screwed. Any suggestions or thoughts?


Make sure to check the insurance will cover complications if you are self pay. My insurance not only specifically prohibits WLS, it also specifically says it will not cover any complications from WLS. So I am thinking very hard about how to get the surgery. I may have to change jobs and I really hate looking for a job. Good luck.
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Posted June 29, 2011 - 5:10 PM

Congratulations on finding peace with your decision. Welcome to pre-bandland!

View Postschmidty42, on June 26, 2011 - 8:35 AM, said:

Thanks everyone for your comments (both for and against self-pay). It's been very helpful in making my decision. I'm going to continue on the path toward bandhood. Posted Image Please feel free to continue responding since I truly enjoy reading everyone's comments.


Posted Image



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