Dilemma - What would you do?

[Tobeornottobe 89]

I have a dilemma, my husband and I both have medical through our jobs. He has Cigna and I have Anthem. I talked to the folks at Cigna who told me about the 3 month nutrition requirement. Mind you, I've already started the nutrition classes as we were under UHC previously, there was a 6 month requirement.

I called Anthem 2 weeks ago and I was told there was no requirement for nutrition classes and once Anthem kicked in (Oct. 1st), it would be a go. Today I received a call from the doctor's office and they told me the info Anthem gave me and the policy they sent me was out of date and there is a 6 month requirement for nutrition classes. The bariatric coordinator suggested I drop Anthem and go with Cigna.

There isn't a need for us to have both health insurance companies. As a matter of fact, my husband has been the one carrying health insurance for years since most of the places I worked didn't offer it or it was too expensive. I'm not sure why I feel like I'd be cheating by getting rid of my health insurance. I'm feeling some kinda way about the whole thing.

What would you do?

[sbg224 318]

Just know this is just my opinion. Are you kidding, you have no obligations to these insurance companies, they are the biggest ripoffs out there. You need to do what is best for you and your monetary status and health status. You, or the job pays the premiums, that's what matter, You are not cheating anyone. If it is best to drop your insurance, then just do it, believe me you are just a number to them, they do not know who you are and they don't care. Do what;s best for you and your husband.

[JosieAppleHead 74]

Just know this is just my opinion. Are you kidding, you have no obligations to these insurance companies, they are the biggest ripoffs out there. You need to do what is best for you and your monetary status and health status. You, or the job pays the premiums, that's what matter, You are not cheating anyone. If it is best to drop your insurance, then just do it, believe me you are just a number to them, they do not know who you are and they don't care. Do what;s best for you and your husband.

I couldn't like TWICE what sbg224 said so I am reposting. Thank you!

[IncredibleShrinkingMan 437]

Doing what's best for yourself is not cheating. They are in business, and you are in business as customers. You go with the one that gets what you need done. There is no crying in business, but there sure as hell is an "I." You can't begin to have Stockholm Syndrome and treat it like ditching your lifelong friend, your spouse, or an ailing parent. When they no longer get you what you need, kick them to the curb, because that's what they wish they could still do to you pre-Obamacare...denying you because obesity is a pre-existing condition.

[Michelle Tarver 62]

I have 2 ins... And beacuse I do I have ZERO out of pocket costs for the surgery. Is it worth the wait for you ? You will have to decide.

[JellyBellyNoMore 58]

Insurance companies are a for profit business. They don't personally care about their members. The decision should strictly be a business matter. But weigh all options, don't just look at the surgery transaction alone. Take into account your deductibles, out of pocket, copays, can you pick your physician's and hospital, medication coverage, do you need referrals for specialist.

Coming from the health care field I see too many patients who think they have coverage but it turns out it is only for catastrophic events.

Now I am not advocating that you keep or drop your secondary coverage.... only that you do your research and not make an emotional decision. Good Luck!