Employer opted out of WLS option - insurance will not cover :(

[eluveitie 0]

I have insurance through work, and our enrollment period is in November, so I can't make any changes until then. However, would it be possible for me to get insurance through another company right now and then just stay with them and get my surgery and then in November cancel the insurance I have through my work? Does anyone know if this is possible? I've been trying to research this online and all the results I'm getting are about switching car insurance, even though I'm specifying health insurance.

Thanks!!!

[AZ Gary 149]

I think you pay a lot more and I am thinking you would go through many months os supervised diets before they would approve it. But I may be wrong.

[Gardnergirl2 96]

It would probably be very expensive. During open enrollment, can you sign up for a wls rider? Is your company self insured? In other words, do they just ay someone to administer the pan? If so, you may can appeal through your company for an exception. Do you have anyone in the benefits department that is supposed to advocate for employees? This person can guide you in what to do...just some questions for thought.