Anthem?... Maybe

[michelleooo513 245]

Ok so after the first of the year I may have turn purchase insurance thru my work... my question is... if I was to get private insurance effective January 1st.. can I start right away or is there a waiting periods? Anyone have experience with this. I'm not even forsure if it'll be anthem I just know they are looking into it.

[theoldmusicbox 399]

I used anthem. I had no waiting period. All I had to do was have my fam dr fill out a paper saying that I've tried several diets and write down several years of my weight gans/losses. Once I decided, the only waiting I had was the time it took to complete my visits to wls seminar, surgeon visit, NUT visit and psych eval. After that, we scheduled my surgery.

[michelleooo513 245]

How long did u have your anthem though before you did all this?

[theoldmusicbox 399]

My employer changes ins providers every couple of years. I think I was back with them for about 9-10 months when I did it

[theoldmusicbox 399]

You should be fully covered on the first day that you are insured by them. As soon as you get your card, have your surgeons office call them to get approval started, that should help you get all the limits/restrictions and copays figured out

[michelleooo513 245]

Gotcha... I wana start making calls the day i get it But I'm sure they wouldn't cover it that fast.

[michelleooo513 245]

You should be fully covered on the first day that you are insured by them. As soon as you get your card' date=' have your surgeons office call them to get approval started, that should help you get all the limits/restrictions and copays figured out[/quote']

I hope your right!!!!!

[theoldmusicbox 399]

Actually, it's just like car ins. If you pay your premium today, then have an accident on the way home from dropping off the check, you are covered. Health ins is the same way. Once you have that card, you are covered.

Good luck

[michelleooo513 245]

Hopefully whatever insurance.they sign up with it'll have the bariatric treatment.with it!.. thanks

[AStephenson 159]

Yes, make sure weight loss treatment isn't an exclusion!! I was crushed when I found out Anthem would not pay for ANYTHING weight loss due to it being an exclusion on my policy.