Happy Loser

The insurance we will be getting isn't really self insured. We own a small business and are applying for small group health ins which is different. Self insurance required underwriting and do to my weight we have been denied coverage with those policies. So, now that we have a small business and meet the requirements imposed by the insurance agencies to prove that we own a small business, we won't have to go through underwriting and therefore will not be denied due to weight or preexisting ailments. But, I am having the hardest time finding insurance that will cover LB. The closest I have seen so far is with BCBS stating it as an exclusion EXCEPT WHEN MED. NECCESARY. But I was hoping to find one that flat out covers it in their policy.

To all 3 of you who have posted before me, Can you tell me if your insurance is paying for this and if so who the carrier is and which Policy you have? I am currently shopping for ins. (self employed) and trying desperately to find one that actually covers WLS & LB specifically. TIA

My sister lives in MO and has UHC Choice Plus and found out today that LB is not covered. This is what the Surgeons office told her. I was wondering if you could share what type of policy you have and see if there are any suggestions you could give us to help her get approved. She works for a small business and could likely get the plan switched if she just knew which one to go with. Any insight or help would be greatly appreciated.

SAHMOF3 Thanks for your reply. Her BMI is over 40 with co-mor. I was kind of afraid to hear that about the small business. Because with all the research I have done it seems like if it is small bus. group insurance it is excluded. This is the case with BCBS here in CA. In my case, my husband and I own a small bus. and are currently shopping for insurance. I am having my broker look at UHC specifically because I have read so many good things about it. But, I also told her that it needs to cover Lap Band. Hopefully I will hear back from her tomorrow with some good news. I don't understand why small businesses would not be allowed to have WLS coverage.

my sister lives in MO and has United HealthCare Choice Plus and found out today that LB is not covered. This is what the Surgeons office (Rogers, AR)told her. I was wondering if you could share what type of policy you have and see if there are any suggestions you could give us to help her get approved. She works for a small business and could likely get the plan switched if she just knew which one to go with. Any insight or help would be greatly appreciated.

Hi I'm new here. I was looking for information about United Health Care. My sister who lives in Missouri is also trying to get the LB and she just heard back from the surgeons office that WLS is not covered by her Policy. She has UHC Choice Plus. Are any of you all familiar with her plan or have any information that might help her. She works for a small business and could have the insurance switched pretty easily she just needs to know what policy to go with. TIA