Insurance Issue ;-(

[sweetie__13 99]

Do anyone know of any insurances that will cover the lap band. I already consulted with a surgeon and got all my work up for the procedure. However my insurance will not cover it. My bmi is 40 so I automatically qualify but I am willing to change my insurance at any cost. Then if i do purchase insurance what is the grace period in which i would have to wait? Any suggestions? Next step for me is a loan which I am trying to void

[a1990 55]

I didn't have to wait with united health care true results has already sent my stuff and they already said they cover with no wait for pre existing problems so I guess it just depends on if they have a wait for pre existing health issues I'm going with true results

[rocky900 4]

If ur insurance is through ur employer they may not have lap band coverage under the plan

If it is individual insurance (u pay all premiums) then it would depend on the plan u choose if it is covered and any waiting periods check with the broker or the ins company

[MDP32 9]

I have emblem health plan hip prime, thru my husband employer and they cover the surgery but have to have 3 month weight in.

[NWgirl 574]

If you find a new insurance that covers WLS, it seems like the waiting period could be up to a year, it really depends on the plan. I was added as a dependent to my step-mom's plan this year and was immediately able to go forward with surgery.

Keep in mind that you will most likely have a deductible and out-of-pocket max (OOP) to satisfy for any insurance. I paid all of my OOP of $3000 on all pre-surgery requirements. Also, some plans do not have a cap on yearly spending, so if you have an 80/20 plan, you will have to pay the full 20% of surgery cost.

I would also encourage you to research self-pay in your area as well, just in case you can find a Dr who is reasonable. There is also CareCredit, which usually offers no interest if you pay of the balance within 12-18 months.

I would also urge you to ask human resources if the upcoming policy for 2013 will include WLS- a lot of insurance companies are adding coverage because it is cheaper for them in the long run.

[sweetie__13 99]

Thank u I have a little hope now. I am determined to get this done! Loan, insurance or the new car is going back lol

[MDP32 9]

Im 100% covered the only out of pocket expense I have is $100. Hospital stay dont mater how many days.

[Jessica25702 9]

Im new to this im trying to find out if i qualify for lap band with my insurance, i have highmark bcbs....

[A New New Dawn 1,695]

I think it is a good suggestion to speak with your employer to see if your insurance may be changing in 2013. It is your employer that has opted out of covering that; however, many are easing up as the earlier post mentioned since the cost of surgery is cheaper than the health risks of no surgery.

Good luck.

[Jessica25702 9]

I have insurance through my dad

[Jessica25702 9]

I have insurance through my dad

[MDP32 9]

you have to call your insurace and see if they cover the surgery and what are the requirements, that what I did.

[Jessica25702 9]

I go for a pre-screening November 5th...i have the 9 page history facts to fill out...