Finding Insurance after Lap-Band... possible?

[Thomas01 0]

I'm in Texas, self-employed, and having a very hard time finding health insurance due to having lap-band two years ago. It really gets frustrating because I'm healthier than at least 80% of people my age (41). Even if you live outside of Texas, please let me know if you've been able to find decent insurance subsequent to having lap-band surgery.

Thanks, Tom

[girl55 5]

My hubby and I have been on Texas Risk Pool (BCBS) for many years. They say because of our years of this and that, no one else will take us. They take anybody. and preexisting conditions is only for a short time, I think 6 months. They are rather expensive, but we have no choice.

[Thomas01 0]

Thanks girl55. I have insurance now but it literally covers nothing other than ER visits and catastrophic disease. I wish I didn't have it though because going six months WITHOUT insurance is required to join the federal high-risk pool that starts up in either June or July (part of the healthcare bill). The Texas high-risk pool website admits federal premiums will be around half as much and there are no pre-existing conditions exclusions. A year from now there will be all kinds of stories about people trying to go six months without insurance in order to be eligible for the federal pool - people who got sick and went without care, went bankrupt, died. I wish our country was just 20% as good as all the propaganda we were fed as kids... It's depressing as hell. Thanks again for the reply. Tom