Too much money for coverage at all?

[Braun1884 0]

I live in New York, i make 817.00 a month, and i called Fidelis, they help people get medical insurance, and they said i make too much money, how is that too much money, i give 400.00 a month to rent, then i have the rest to pay bills with, im single, i dont have any kids, and i live at home with my family but i pay rent.... can someone help me out with getting medical coverage?, i would really like to be on the ball with the lap band surgery.

[FunnyDuddies 6]

well i can tell you right now that if you are overweight it will be really hard for you to find personal insurance. And it is damned near impossible to find private insurance that will cover the band. But if you do find it, make sure to let everyone else know. i know a lot of people are willing to pay what you make each month just to have the band covered.

Your best bet is to change jobs to a place that has medical coverage and can add you to their insurance.

[Braun1884 0]

wait, why would it be hard to find insurance if im overweight?

[FunnyDuddies 6]

because most private insurance companies will not insure an overweight person. you are too much liability. same thinking as why they will not insure people over a certain age. Or someone with a chronic illness or prediagnosed illness. It costs them too much. You can get around that by getting a job with a company that has a health plan. Group policies do not exclude people like that, and that way you are left with just looking for a company who has an insurance company that covers the band.

[Braun1884 0]

lol well then im screwed....royaly, because of my weight, its tuff for me to land a decent paying job with health benefits.

[FunnyDuddies 6]

what line of work are you in, what is your education and exp, and how much do you weigh? There is always something out there for someone.

[Braun1884 0]

i work as a bus matrin watching handicapped children on a bus, i have a highschool diploma and im about 500lbs

[Tricia K. 0]

Wal-Mart has health benefits.

http://walmartstores.com/GlobalWMStoresWeb/navigate.do?catg=605

[FunnyDuddies 6]

is it full time work? The bus job, i mean.

[Alexandra 55]

New York has guaranteed-issue individual health plans, but they're not cheap. You won't be turned down because of your weight, but if you're eligible for group health insurance you probably won't be eligible for these plans. Call Empire Blue Cross to see what they're currently offering for individuals. Or visit www.empireblue.com.