Insurance Denial Because Of Gap In Weight History?

[Heyher 581]

So I am the type of person who has to have things in order before I do something major. :-)

I am looking through my insurance documents to see what all I will need for approval. I went without any insurance for 2.5 years from mid 2007 to early 2009. Late 2008 I thought I found a way to lose weight and keep it off... Well it did not work and three years later I am back up plus 20lbs. My insurance company requires 5 years weight history, but I only have 3, and a portion of that time my weight was down. Do you think they would accept weight history prior to losing my insurance? If they look at that they will see I have had weight issues basically my whole life... I think I'm having more signs of hypoglycemia more often. Also diabetes, high blood pressure, and congestive heart failure runs in my family.... So I need this so I can get married to my wonderful fiancé and start a family and be there for the kids when we have them...

Sorry for the rambling, but I am so freaked that they will tell me no........

[sleevehopefull27 29]

I had the same problem....I have united healthcare and they denied me because I didn't have 5 years in a row of 40+ bmi. I have been fighting with them for the last three years over this! So I am now going to go to mexico and forget trying to put it through to the ins again!

[karenb4729 309]

I have United too and needed the 5 years of BMI at 40 or greater. When I first started looking into this it was October last year and I only had 4 yrs of 40BMI so I had to wait until January to get weighed again at my Doctor's office. But, the approval went really fast after that and my delays in getting the surgery were my choosing.

[Heyher 581]

So.... Has anyone had good luck with UHC and not have records for 5 years of BMI 40+? I have records showing I have been over the 35 mark through most of my 20's. But I didn't have insurance for a few years, so there are no medical records for 2007 and 2008, when I was at this weight. I don't want to weight five years and not do anything. But I don't have the money to get sleeved in Mexico... :-(

[sleevehopefull27 29]

I don't have the money for Mexico right now either....so I am waiting just a little longer until next year and then I am going to use part of our tax return to pay for it. I also don't want to become in debt because of the surgery! I would probably be able to get UHC to pick it up next year....but I have no clue what the bill to me will be! I like knowing that 6K (including airfair) is all I need to be on my way to finding me!

Best of luck to you!

[Sherry77 166]

I have uhc ppo and did not have 5 years of 40 bmi yet i was still pre- approved. They also did not require many of the other tests other insurance require.

[Heyher 581]

Sleevehopeful, good luck and I hope you have a smooth trip and quick recovery!! So happy you have the opportunity to go to Mexico! :-)

Sherry, that gives me hope. I have the Choice Plus HDHP... So fingers crossed they approve me. Going to call them to see what they say about it. Fingers crossed.

[Sherry77 166]

Sleevehopeful' date=' good luck and I hope you have a smooth trip and quick recovery!! So happy you have the opportunity to go to Mexico! :-)

Sherry, that gives me hope. I have the Choice Plus HDHP... So fingers crossed they approve me. Going to call them to see what they say about it. Fingers crossed.[/quote']

Good luck! Keep me posted.

[kamrie37 134]

Yes, I was denied because I didn't have 2 consecutive years of weight history. I just never went to the Dr. If you message me, I will tell you what I did..