Can Not Get Ins. Because I've Had The Lapband.

[debbied888 0]

Everybody talks about their Ins maybe paying for this or that. I can't get Ins. Because I've had the lapband

So I would love to know who you people have Ins. With. Mine is with Blue Cross but I have guaranteed

Issue so It's high and nobody else will touch me because of the lapband.

[auntielle 42]

I feel for you. I've been in the Texas High Risk pool the last several years bc I was self employed & could not get ins bc of anti depressants. I paid for my whole surgery last year & have done great.

I spoke to someone about what my chances are now bc I'm no longer on so many pills. They found that no one was interested bc of my surgery. She said Aetna said maybe after 1 year. I decided to get a job with benefits even though I'm back in school. Insurance is ridiculous in our country!

Btw, I'm 51 & have NO other health issues. So far I've lost 99 lbs in almost a year. I have 20+ - to go. Good luck!

[elcee 3,341]

That is ridiculous, you would think that it would be easier to get insurance as theoretically you should be healthier. Surely they could just exclude the band as a pre existing"condition' and give you insurance for everything else?

[Toddy 758]

We had insurance with BCBS when my husband was employed and they paid 100% for my wls. When DH got laid off, I applied to BCBS for a HIGH deductible plan and was turned down because of my lapband surgery, even though I had already been taken off my super expensive acid reflux Rx and my high blood pressure Rx. Ironic, huh?????

[DELETE THIS ACCOUNT! 12,703]

Well very soon here, once Obamacare gets more going, it will be illegal to exclude anyone for ANY pre-existing conditions. In other words, it won't matter what your healthy history is you'll be covered.

[electronicart 120]

It was made law (2011) that pre-existing conditions cannot factor into insurance coverage. They are blowing smoke. Its illegal.

Insurance is out of control. They can raise your rates, but, they cannot deny coverage because of a pre-existing condition.

[Maddysgram 6,159]

I'm really sorry for you. I have Aetna and so far no complaints. Both my daughters have B/C B/S through husbands employers. One daughter has a child with cerebral palsy and insurance sucks. She has to fight for everything.

Good Luck & don't give up, fight!

[honk 780]

The preexisting condition regulation goes into affect I think in 2014 for adults. It is already illegal to deny CHILDREN. I was also denied because of surgery and told to check back after a year. When I did I was told I needed to loose another 10 pounds before they could cover me. I joined the high risk pool in NH. Super expensive with high deductable. No band coverage so good thing I am at restriction my doctor charges 400 for a fill.