Anyone Have Ky Access Ins?

[donna12 742]

Hi I'm a newbie on here and just in the beginning stages of all of this. I currently have BCBS Cobra from my divorce with my ex-husband's policy but it is due to expire June 30th. I was hoping to get everything approved and done and surgery by then but doesn't look like that is going to happen, fingers still crossed. Effective July 1st I have to go on Ky Access, which is a insurance that will insure you because no one else will due to our weight/height. I am 46, 5'2" and weigh 287 and no one would insure me due to this so I am forced to go on Ky Access. Ky Access does cover Lap Band but when I call since I'm not enrolled they will not give me details on requirements. Hoping someone can enlighten me. Thanks.

[LadyMaggie 145]

I have Kentucky Humana as my primary insurance and Anthem/BS&BS as secondary. They both had the standard 6 months weigh in, but after that they paid. After pre-op testing and 6 month weigh ins, it really took me a year to get to surgery date. I had lap band on April 9th. GOOD LUCK

[donna12 742]

I don't think Ky Humana is the same? Currently my BCBS that expires next month didn't require the 6 month weigh in diet by my doctor because my BMI was at 52, they waived it. As for Ky Access, all they told me was they would pay for the Lap Band if it deemed medically necessary, that's all the info I could get out of them.