Question about insurances???

[littlerlou 7]

Im so lost and have so many questions.

We are in the open enrollment time for our insurance. Currently we have HAP which we were not happy with and we were going to switch to BCN. Then I started reading about Aetna and how great they were with lap band. My confusion is this....if we change our insurance..it will take affect Jan 1st. I know Aetna is 90 day PSWL and BCN is 120 days...HOWEVER..does that apply to new subscribers? Or will they make me be on the plan for a calendar year before I can do any type of weight loss surgery?

I called both companies and they talked in "their" terms and I didnt understand and they just kept referring me to their online info..which doesnt really clarify it for me. I know Aetna reads this about the surgery: "In Patient, Morbid Obesity Surgery (includes surgical procedure and acute hospital services) 90% per Admission after Calendar Year Deductible". I have no idea what that means.