Anyone have to use obese law to get approved???

[j-mae 0]

Hey everyone, I have been fighting with my insurance company since september 09 to be approved for insurance. I have a weight history since 99' but I did lose weight for a short period of time within the past two years and I do have a comorbidity. They say that since I have not had a BMI of above 35 for two consecutive years that they do not want to approve me. The period of time that my BMI was low was only a few months. Now my surgeons team is going through lap band and obese law to attempt to overturn their denial. Has anyone else have to use obese law to get approved?

[Who'sThere 331]

I didn't know there was such a law. Please elaborate.

[ParrotheadCathy 0]

I've never heard of that. I will say that many insurance policies have the requirement that your BMI be at a set minimum or higher for 18 months or 2 years. I don't know that you can get around that if it is written into the policy. Some policies (like mine) have a written exclusion for any weight loss surgery ... and there is no appeal of that so I'm thinking that if there is a written restriction on BMI that it would work the same way.