Insurance question??

[zcurry 0]

Ok I know nothing about insurance, I'm 24 years old, and I never had medical insurance, I live in Houston, TX and I was looking into getting insurance that will cover lap band, I now weigh 268 lbs, and I've been overweight my whole life but this is the biggest I ever got, I need help and information, I'm getting so depress because I don't want to gain anymore weight.

[destiny79 0]

are u get insurance with your employer or you are purchasing it your self

[zcurry 0]

At my job we have aetna, but I was thinking about going out and get my own.

[destiny79 0]

aetna does cover the lapband, but your company have to have it add to their policy you can call them tell them the company you work for and they can tell you if lapband is cover I know that Aetna requires a 6 month supervised diet with you DR. 5 years weight history showing that you have been overweight for 5 years and a BMI of 35 and over. (So call them and find out if its covered if so find u a lapband dr. and let them deal with the insurance company

[bmysuccess 0]

Try to get the insurance thur your employer, it will cost less than on your on. You may have a hard time getting coverage on you due to your weight, if you are able to you will possibly be rated to a higher premium. Most insurance companies have a weight chart they go by, so try to get it with your employer.

[abeaher 0]

Private insurance usually will not cover elective procedures like the lap band although it's medical necesssity can be argued. I had private insurance for a couple of years when I was in college because I was too old to be on my parent's and ins. was not offered at my job, it was REALLY crappy, it covered me if I got sick, but that was about it and even then the deductible was REDICULOUS. I would start researching your jobs benefits first.