BLAH! So I got a copy of the policy and I know that this might come as a shock to you but they were actually telling the truth. Under exclusions it states "surgical and non-surgical treatment of obesity (including morbid obesity)." They suck! Anyways I guess there are always other options other than taking out a loan because I'm not really able to do that. My husband is going to check his teacher retirement fund and see if he can borrow against that. My mom just got a large settlement of money and had offered to pay for it at one point in time before she knew it was going to be $23,000. But she said she's still willing to pay just not $23,000. She's going to maybe pay off her 401k and then borrow against that to pay for it at $23,000 if she has to. But I guess that's really a worst case scenario. There are other options as well. I've looked into personal insurance coverage and of course this surgery is specifically excluded. However, and maybe this will sound very terrible, I'm not sure, we have found out that medicare and medicaid will pay for this surgery. And since my husband doesn't make a whole lot of money and I'm a stay at home mom there is a chance that I can get medicare. This might actually involve us filing for a legal separation for a little while which I also don't want to do...Just an idea I suppose. Like my mom told me "it'll all work out the way it's suppose to" < - - - - I hate that phrase by the way
