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21 Yr Old College Student Athletic 34 DDD Big Boobs

UPDATED FROM Erin A.

Is Credit Care a good alternative?

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Erin A.
$5,000
So I looked on credit karma and my credit score is "Fair". I don't even have credit except for a car loan so I understand why it's not super high however I have made 100% of my payments on time. I'm contemplating applying for credit care I'm just super nervous and stressed out about the whole Interest going up if I miss a payment or if something goes wrong. Has anyone had any successful/ horror stories with Credit Care? I would use credit care to pay the $3,000 deductible and I would pay 250$/month for 12 months is my plan. I'm always on time with bills and payments so I feel like I could totally do it. I'm just scared ! Thanks ladies for your input and helpful advice. I hope that sometime this year I can undergo the surgery and actual enjoy wearing bikinis and running !

Replies (5)

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March 2, 2016
Wishing you all the best. Do some squats to enhance that booty girl ;-) They work wonders!
March 2, 2016
Choose the 18 months no interest, plan on making at least the minimum payment monthly via auto pay and then make the $250 per month (to pay off sooner) CareCredit is wonderful!! Best wishes to you
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March 3, 2016
I've used Care Credit for dental work - it's a great alternative! It depends on your doctor's office the time frame it is to be paid back, usually 12/18/24 months. My credit is less than stellar courtesy of a previous marriage and I was approved - so I'm sure you could be! You can apply on-line & get an answer right away!
April 10, 2016
Another thing to think about is delaying (Ugh, I know) until you graduate college. You may end up working for an employer with much better insurance coverage and not have to take on so much debt at this point in your life. Best wishes to you.
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April 7, 2017
Hello. I read your review and I feel for ya. If I'm understanding correctly, you don't have a credit card and want to pay for your BR surgery using credit. Well I don't know about CareCredit but I thought I might offer a suggestion on how to build your score. If you go to a credit union (not bank) and get their most basic credit card, use it monthly for things like groceries, gas, etc, then pay those purchases off immediately you will have good credit in 1 year. I know that's a long time... but in the meantime you must keep going to the dr and complain about back issues and migraines. Bare with me because part 2 here might seem a little strange: As you go back to the dr over and over he/she will prescribe b.s pain pills that won't work because the issue you are describing are actually TENSION HEADACHES caused by the weight of your boobs. I know this issue well, my longtime primary care dr never figured it out and even went as far as to authorize a brain scan for me to check for tumors. Anyway, keep going so there is a record that your breasts are causing legit medical conditions. You may actually be able to argue your way into more if not full coverage after a while of that. It has happened. Good luck
UPDATED FROM Erin A.

Crying my eyes out

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Erin A.
update: called the insurance company and those f&ckers only pay for 60% of the initial cost. So I would have to pay a $3,000 deductible and if the cost was 10k I would have to pay 4k out of my own pocket. So I can kiss the dreams of getting small boobs and being happy with my life goodbye. Also I have Florida Blue :Blue Cross & Blue Shield. I'm so freaking pissed and upset. I just want to go in a crawl in a hole and never come out.

Replies (5)

February 26, 2016
Wow really? I'm so surprised. I have Blue Cross but I am in VT and it was 100% covered. I'm so sorry to hear this. :( don't give up, though! Keep trying different avenues. It won't be easy but it'll be worth it.
February 27, 2016
I know $3,000 is a lot but maybe you could talk with your surgeon to see if he offers a payment plan . Just a thought if your heart is so set on reduction I know I was devastated when my insurance denied me the first time.
February 27, 2016
That's a shame. It's worth saving for though. Or finding out for a payment plan. My insurance won't pay here in Australia and it will cost me double that. But I think it will be worth every cent! It's so tough, but hang in there. I'm sure you can find a way x
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February 29, 2016
awww.. I've been there and even worse. I've been pursing different companies since 2013!! My former insurance company requested $9,OOO out of pocket costs. Can you find out if your deductible applies towards your out of pocket maximum costs? Maybe you should get them to approve you then start planning towards saving money (if you can). Hope it gets better.
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March 3, 2016
I am so sorry. Did you happen to go through the appeal process with them? I have Blue Cross Blue Shield of Texas and they flat out denied me within a couple of hours of receiving the pre-d request from the surgeon's office solely based on the amount being removed was not going to be 500g or more. I appealed, provided letters from my other doctors, test results, and they still denied me, and I currently have my case in IRO. I have already booked my surgery & it's next week. I HAVE to do this regardless of stupid insurance or not. I get the same rashes too that you show in your pic above. I also get icky fungal funk smell - it is gross. But I am having nerve issues from my breasts that are really wreaking havoc on me, so I am going broke to be free of these! I hope you are able to find a resolution and way to get this done soon!
UPDATED FROM Erin A.

Pic of Pre Op Breasts

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Erin A.

Replies (2)

February 26, 2016
I was like you at your age.I always wanted a breast reduction and breasts were similar to yours . I saw a ps in September after talking with others that were extremely satisfied with their breasts reduction. They took pictures and measured me and informed me he thought my procedure was covered. I am 46, 5'2" and weighed 120lbs. Bra size was a DDD if not E. Insurance originally denied it because they needed a letter from my doctor saying I tried alternative treatment for back pain. This was easy to get, I asked my doctor for a letter saying I had back pain and tried physical therapy and meds with no relief. It was approved about 10 days after. I had my surgery 1/22 and am very happy. I am a full C, small D. I know I may still have some swelling but my PS thinks I will remain this size. Still recovering but went back to work 2 1/2 weeks after surgery. My advice to you is to make an appoint with a ps. I paid my specialist copay and that's what got the ball rolling. Good luck!
February 2, 2017
I think you are def bigger than a DDD. Have you measured under your breasts then across your chest? I had been wearing VS 36 DDD and I'm really a 32 I !!! We are similar build. I'm 5'9" weigh 170 with athletic build but I've gained 20 past year. 150 is my ideal weight and my boobs don't get smaller when i lose weight they are very dense not fatty. Yours look the same.