Torn

I recently had a lump in my breast that was about the size of a softball. It needed to be removed. It was benign, but it was still growing and was causing me pain. I went to a surgeon on January 4th to discuss it and he agreed that it needed to be removed. I was scheduled for a January 17th surgery date.

Well, on the 16th I got a letter. It was an estimate for my care, listing the wrong insurance company and a large patient liability. I looked at it and went... OMG.

After calling the hospital, I found that they indeed had the correct insurance, it was just listed wrong on that paper. They mentioned that when they'd called they found out there was a $4500 deductible on my insurance.

WTF?!

No. This is not the case. My deductable was $750 - Only $750. WTF are you talking about??

I called the insurance. They said that this is a family plan, that the deductible was the entire family's deductible. No worries, my company (the one I work for) pays for half of that deductible. So yours is only $2250.

Well, that's better, but unfortunately not what I was figuring on when I planned to get the LapBand surgery. The out-of-pocket was supposed to be $1700 with the deductible and the copay amount. It was not supposed to go over that. Now, I have this surgery and the WLS surgery and both together would bring my total to $4000 + .

Not okay. Not one bit.

So guess what that means? No LapBand. Not this year, and with the current insurance trend, not ever. *cries*

But guess what? My mom's on state medical care, and they offered her one for free. So at least someone is getting it. Not little miss middle-class-me though.

I'll be closing this blog soon. Thanks for reading.

Current weight: ???
Time to WLS approval: 2 mos and a few days??