denied

[globetrotter 0]

I was denied today, and my insurance company basically said "look at the book, it will tell you why you are denied"

what the "book" - the catalogue of coverage of the insurance company says is "insurance will not cover anyone who is not 100% over the ideal weight for his hieght".

my "ideal wieght" is 148 pounds. I am 299. 200% of 148 is 296, which is less than 299.

so, I called the insurance and asked them where they got their "ideal weight", and they basically said from their medical consultants. I sent an apeal letter saying that according to my calculations,, I met the criteria.

this was today, too soon for an aswer.

any ideas what I can do?

[faithmd 14]

Not until you hear back from your appeal letter. But if you need to pursue it further, may I suggest you look into Obesity Law and Advocacy Center before you appeal again. They are pretty good as what they do, and don't charge an arm and a leg.

[sistergirl 0]

I had the same thing happen to me. I weighed 268 and my ideal weight should have been about 160. The reason they turned me down was because my policy had a obesity clause in it. I went to appeals they still denied me. After dealing with it for about 4 months, I decided to have my lap-band in Tijuana. This was October 3, 2006 and I have lost 96 lbs. Take care and good luck with your insurance