Lots of questions!

[hotmamma1979 42]

I am just starting the process. Seminar Oct 5. I have UMR insurance, anyone have experience with that? How long was the process and what were the requirements for UMR? Also wondering, I have a BMI of 40.5 if they make me loose weight before will that affect my approval since insurance requires a BMI of 40 or higher.

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Edited September 16, 2016 by hotmamma1979

[James Marusek 5,244]

It is my understanding that most insurances use the weight at your first check-in.

[hotmamma1979 42]

Thanks that is what I had hoped for!

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[MaryCatherine 173]

But you could be the unlucky one who gets turned down because you lost down to BMI of 39. Don't take that chance. Keep your BMI at 40 or higher until you get approved.

Insurance companies are staffed by human beings. They want to save money not spend it. Don't risk it.

[rdharri 46]

My insurance used my last weight at the time it was submitted for approval. Just wanted you to know it was a possiblility.

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[Er1n 90]

Also if you have a comorbidity (high blood pressure/diabetes/others) you can have a bmi of 35

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