Help, I need some of your wise assistance deciding what to do about medical coverage and weight-loss surgery.
I recently took a job via a technical staffing agency that has a health policy available for which they make NO employer contribution.
I already have an individual policy via an HMO here in Washington state.
Their plan is $620 per month and mine is $420 per month. Theirs only covers Novolog and Lantus in vials, not pens. They don't cover Synthroid at all (not a huge tragedy, I've taken levothyroid in the past.) They only cover 80% of a lot of things that my HMO covers in full, e.g. scoping procedures and other diagnostics, like mammograms.
It sounds like a no-brainer that my current plan is better until you go to about page 15 in their brochure and read that they DO cover weight-loss surgery (at 80%) whereas my HMO does NOT cover any bariatric surgery.
As a morbidly obese T2 who has been complaining for eight years that my insurance policies have never covered weight-loss surgery, I feel like the universe is calling my bluff:
"Oh, yeah. Well here. It's covered. What are you going to do? Hmmmm???"
I've had four different doctors (sleep specialist, endo and two internists) tell me that I am the IDEAL candidate for weight-loss surgery. I'm what it was created for: someone who has struggled with a high BMI for decades and lost -- and regained -- large amounts of weight (between 70 and 130 lbs) FOUR times as an adult. Someone who has two serious conditions caused/exacerbated by weight: sleep apnea and T2, plus lots of joint problems exacerbated by weight.
I'm basically a complete and utter failure where weight loss via diet and exercise is concerned -- despite spending basically forty of the past fifty-four years on every kind of diet under the sun (some of them four or five tries each.)
What would you do?!? Tic-tock, tic-tock, I have to make an enrollment decision in the next few days or miss my chance to enroll until next year -- and I might not even have this same job next year.
I'd love your thoughts. If you could have surgery to turn your stomach into a little bag the size of an egg -- but you'd be pretty much guaranteed to be "cured" of diabetes either for life or for a very, very long time -- would you do it?