Warning For Those Just Starting The Lap Band Surgery Inquiry Process

[loretta\ Baconton Georgia 10]

Preexisting comobidieties will actually help you get the band faster in this case.

[mynewlife2011 6]

Thanks for the reply and heads up. When you got your policy was it during open enrollment?

I am going to school full time for Medical Billing and Coding. This semester we started on our Insurance part of the class. From what I understand (and also clarified with my instructor) during open enrollment an insurance company is not "supposed to" use the pre-existing condition against someone. If you did start your insurance during open enrollment, make sure you fight them tooth and nail.

"Regulations about pre-existing condition exclusions may vary from state to state, but generally speaking the following applies: If you are enrolling in a health plan on an approriate eligibility date (such as open enrollment, taking a new job, becoming newly eligible due to marriage, etc.) pre-existing condition exclusions do not apply"

My wife just signed up during open enrollment...so going by what I have read and researched, pre-exisiting condition should not be a problem. Keeping my fingers crossed.

Not during open enrollment but as a new hire...I will heave to look into that rule.Im in Texas so I wonder if that applys here..Thanks for the info....

[mynewlife2011 6]

Preexisting comobidieties will actually help you get the band faster in this case.

I sure hope so.....