morgandonor

i know this is no help to you, and i am very sorry, but if you find out, let me know im wondering the same thing!

thanks so much. im pretty sure mine will be indiana, my dad is adding me to his insurance in a week. im amazed at how quick you got approved! what is your bmi? good luck with everything let me know how your surgery goes!

Has anyone been approved by anthem in Indiana or Kentucky w out having to do a doctor monitored diet? I'm so worried to get that...and I really don't wanna hear it's good for you, it isn't for me. I've been wanting lapband for 3 years. My bmi is 53. I'm 22. No it's not good for me. Any experience w anthem in Indiana or Kentucky would be AMAZING

ahhhh help!!! does anyone know if ky access covers weight loss surgery!? i dont want to call because wont they just think im trying to get it for tha reason?

i just wanted to say THANK YOU x5 to everyone who has responded. i have decided to have my dad add me to his since he just switched jobs, and in the mean time work on my eating habits and walking. if something goes wrong with him adding me, or his employer has an exception, i will finance the surgery and keep my hoopty car for a couple years. :-/ PEACEQUEEN-YES!!!!!!!! my seminar is for Dr. Weiss and Dr. Oldham!!! that just made me feel so happy

this is incredible. congratulations! i bet youve gone down a size or two, what have you been eating?!

update: so my mom isnt ALL THAT supportive of lapband. dont get me wrong, she thinks its a good idea, but she feels like i should "try everything else before it" but ive done it all. every diet, had trainers, etc. and she is saying its "too late" for her to add me to her insurance. shes going to double check, but she works in insurance, so i fear she knows. she also feels i wont be able to get my own plan because my bmi is 52, so no one will willingly insure me. she thinks my only option is self pay which she does not support since im deep in student debt and other stuff, i feel so confused. what are payments like for self pay? so upset.

is it even worth talking to my HR dept about it? im curious about getting an individual insurance plan that isnt through my workplace. but i remember a year ago it was a fortune due to my weight, but it's sounding worth it to me. im also a part-time college student so im wondering if i could get re-added to a parents plan and try for that. im so beyond frustrated.

the paper work i am filling out that i mention above is the paperwork the hospital sent me to fill out to bring with me to the seminar. thats why im confused, why wont they help me? and why cant i even go to the seminar if my insurance says they dont approve surgery and i wont self pay? i thought there were greivances and such i could submit to get around this.

so i have all of this paperwork to fill out before the seminar on Jan 22nd. ive got the base of it finished, the last two pages are 30 questions for my insurance company representative. the first question is do i have benefits for weight loss surgery for morbid obesity if medically necessary? then, i choose yes or no. if yes, i am suppose to complete all 30 questions...if no, i need to ask the rep to read the exclusion to me, then it says if i have an exclusion in my policy, would i self pay for surgery, and i cant. and if i say no, i dont even go to the seminar, it just ends there. ive emailed a rep and all it said, point blank, is your plan does not cover obesity related surgeries. so is that it? its just over? I dont understand. i thought going to the seminar would help me through all of this. and i thought if it isnt included in my plan i can "challenge" it? am i wrong?

im starting the process with insurance. BCBS in kentucky just flat out said we dont cover it. but they dont know any details of my weight and health issues, and that two doctors highly recommend it for me. i believe the next step is to talk to my HR department at work to see if they do? so basically, to me, it seems ill either a) have to switch insurances...or theyll approve it but only with a 6 month diet, which to me is not okay. ive been "dieting" my entire life and here i am, 5'4 weighing 296. anyone know if there is a way around the 6 month diet? is there standards i may meet to NOT have to do it?

I feel the same way. If I could diet successfully for 6 months, I probably wouldn't be here. And I have a ginormous bmi and also lots of health issues related to it.

Yay!!!!