insurance denial....AFTER the band!!

[neverB4 2]

This should be no surprise to me since I work for an insurance company. My DH and I applied for a major medical plan with his new job. Of course the agent wanted his cut so he assured me I would be covered since being banded....WRONG!!! Got a denial ltr today saying I was denied because of my Lapband for weight loss...but my family could still be covered...even DH with a higher premium due to his "tobacco use and build"...as stated in the ltr!!

GO AMERICAN REPUBLIC....you're the best!!!!:biggrin:

[Donna113 2]

??? You are no longer eligible for health insurance because you have had lap band surgery?

[luluc 6]

that is interesting.

DH and i were both denied *yet went self pay* with BCBS of TX well over a yr ago. when open enrollment for his company came around last Nov (after we were both banded) we were able to choose UHC, which we had prior to BCBS TX - no issues.

that is truly unfortunate to be denied a benefit, that - that ins didn't have to pay for that will improve your health. i hope your able to find a proper ins policy that doesn't crush you financially!!!

[steph_co 9]

Wow, that's stupid! Sounds like a terrible insurance company. I guess they're worried about any liability if something goes wrong with the band. Plus not wanting to pay for fills.

[neverB4 2]

It was for a personal policy, underwritten. You're ok if you go with a group policy...but if you don't work for a company that offers grp insurance, and you try to get a personal policy...then you're out of luck...esp if it's underwritten for pre-x conditions!!! They didn't even bother ridering it...just flat-out denied me!!! Luckily my DH's boss is now looking into some grp policies because they denied hima nd his family too due to their health issues. Still, American Repulic DOES SUCK!!!

[WASaBubbleButt 41]

This should be no surprise to me since I work for an insurance company. My DH and I applied for a major medical plan with his new job. Of course the agent wanted his cut so he assured me I would be covered since being banded....WRONG!!! Got a denial ltr today saying I was denied because of my Lapband for weight loss...but my family could still be covered...even DH with a higher premium due to his "tobacco use and build"...as stated in the ltr!!

GO AMERICAN REPUBLIC....you're the best!!!!

That is really common, especially for a private policy. I'm not sure why that is, you are a better risk for the ins co thin than fat so I don't get their thinking.