What constitutes 2 major health problems? Can depression qualify as one of those?
I am about 80 pounds overweight, have a BMI around 35. My health problems are depression and minor sleep apnea (which I was told would improve if I lost weight). No diabetes, no high cholesterol or anything. I've spent a few thousand on a personal trainer and weight watchers without lasting success. I just can't control my appetite and am at my wits end here. I don't understand why they want you to be so sick before paying for the surgery. You would think the insurance companies would benefit more from a preventative medicine standpoint than waiting until patients get horribly sick from their obesity!
Anyhow, is there a list of qualifying health problems somewhere? I don't have $13,000 to pay for surgery out of pocket, so that's not really an option for me. I have Blue Cross Blue Sheild EPO (similar to HMO but with PPO perks).
