How much Lap Banding Surgery will cost you — Advice from a Nurse

admin — Wed, 16 Dec 2009 03:03:18 +0000

Author: Greg Pratherbr
Source: articlesbase.combr
br
If youre reading this, you may have come to the point where your weight has become a problem, despite everything youve tried to correct it. One option to consider is a procedure called lap banding, but there are some things to take into consideration. First there are a number of conditions you have to meet ahead of time though. The National Institute of Health, or NIH has set up these guidelines for people to be considered for the surgery. You must be older than 18, you must have a Body Mass Index or BMI of 40-80 to start with. Also you may be qualified if you have certain pre-existing medical conditions that affect your situation. Also they may need to know that your doctor has worked with you on a plan to reduce your weight, but that has not been successful. These guidelines are US only though. Because of this, you may be tempted to look elsewhere for treatment. One of the options is Mexico. Although this is a much less expensive option, it does come with some hidden costs. You do have to shoulder the financial burden of the procedure yourself in this case, which is $8500 and up. Another monetary consideration is the travel costs lodging and your diet. Something else to consider is your checkups. It might be necessary to make another trip back to Mexico (or wherever) to have a follow-up. Otherwise you might consider trying to find a doctor near you that would be willing to do the checkups.Either way, you want to work out all of those details before you settle on one option or the other. The other option is to have the surgery in the US which can cost $14,000. Thats at a minimum though, you also have to consider other costs like hospitalization, surgery costs, labs, followups, operating room costs, and the costs of any complications. You might find that your insurance company will cover the procedure though. It really just depends on who your insurer is, and how your plan is set up. The best thing is to contact your insurer to be sure. Insurance companies may be more likely to cover costs if you can show that you have a pre-existing medical condition related to your weight gain. The good news is that there are a lot of options. The bad news is that there are a lot of options. Consider looking into the insurance situation first. Weight your options. You might be thinking that getting the surgery done in Mexico is the best, but just be sure to check everything out first.br
br
pFor more information on a rel=nofollow,nofollow href=http://www.lapbanding-reviews.com/lap banding/a, please visit a rel=nofollow,nofollow href=http://www.lapbanding-reviews.com/a rel=nofollow,nofollow target=_blank href=http://www.lapbanding-reviews.com/http://www.lapbanding-reviews.com//a/a./pbr
br

Travel Insurance Pre-Existing Conditions Coverage – How It Works

admin — Sun, 22 Nov 2009 03:07:52 +0000

Author: Steve Dasseos
Source: articleage.com

What is a Pre-Existing Medical Condition?
When a trip cancellation travel insurance company refers to
a “Pre-Existing
Condition”, they are talking about medical conditions that
exist in the
Lookback Period that immediately preceeds the travel
insurance purchase
date.
Simply put, a Pre-Existing Condition is any medically
documented condition (no matter how minor) an
Insured Person, Traveling Companion or Family Member
has been treated for, consulted with or received advice on.
This includes any adjustments or changes in any
prescription drugs or medication during the Lookback
Period. The condition has to be medically stable.
Medically Stable also includes the idea that nothing
is foreseen or expected to “be a turn for the worse”. In other
words if you’re given a week to live and you want to buy travel
insurance for a cruise next month, you can’t cover the
Pre-Existing Condition. It’s like wanting to buy Fire Insurance
when your house is on fire.
Here’s some actual policy wording:
“Any injury, illness, sickness or medical condition of an
Insured or Family Member which either manifests itself or
exists during the Lookback Period immediately preceding
the day you buy Travel Insurance, unless the condition is
controlled through the taking of prescription drugs or
medication and remains controlled throughout the
Lookback Period. A pre-existing condition has manifested
itself when medical care, treatment or diagnosis has been
given.”
What this means is starting today, if during the Lookback
Period:

You, a traveling companion or a family member, has any
injury, illness, disease, sickness or medical condition
and
Has been diagnosed, treated for it, had any prescription
changes (increase or decrease), been advised to be
treated, had symptoms of it, hopitalized, saw a medical
professional for it, etc.
Then that person has a Pre-Existing Condition as
defined by a Travel Insurance policy. Note: If that person has
a medical condition that’s farther in the past than the
Lookback Period, they don’t have a Pre-Existing
Condition.

Why is this important?
You can cancel or interrupt your trip or receive medical
treatment even if you have a Pre-Existing Condition – if you
follow the rules.
Trip cancellation travel insurance excludes claims due to
pre-existing medical
conditions. Some travel insurance plans will waive the
pre-existing condition
exclusion at no extra charge if you get your travel insurance
in the first 10, 14
or 21 days after your first trip payment date (before the end
of these 10, 14 or
21 days).
Any payment on your trip is considered the first payment.
This includes the tax you pay when you redeem frequent
flyer tickets, refundable deposits or even a trip planning
consultation fee if that fee is later credited toward your trip
costs.
You’ll protect yourself if you have to cancel or interrupt your
trip or receive medical treatment because of that
pre-existing medical condition. There are three primary
rules to keep in mind:

You have to insure your trip’s full prepaid,
non-refundable cost and
person with the medical condition has to be medically
stable when you get your insurance and
You must get your travel insurance in the first 10, 14 or
21 days after your first trip payment date

If you’re past the first 10, 14 or 21 days you will be governed
by the “Lookback Period”.
What’s the bottom line?
If Pre-Existing Conditions are a concern for you or your
traveling companions,
you have to buy your trip cancellation travel insurance within
the deadlines.
Steve Dasseos is the CEO of TripInsuranceStore.com. You can
compare travel insurance policies at this website. Contact
Steve here.

Travel Insurance Quote: Select And Buy The Right P » pre existing medical

How much Lap Banding Surgery will cost you — Advice from a Nurse

Travel Insurance Pre-Existing Conditions Coverage – How It Works