Changing Insurance Carriers

[Z's Grammy 0]

I currently have Cigna Insurance and was told by Customer Service that my policy does not have any coverage for bariatric

procedures. :thumbup: I work for the school here in Texas and am considering switching from my husbands insurance to TRS Active Care 3. According to the enrollment guide I am looking at they cover Lap Band surgery, but I don't know if I would qualify immediately or if I would have to wait some extended amount of time. I was thinking I could go ahead and start with the 6 month diet/Drs. visits etc but just wondered if switching Insurance carriers at an extra 175.00 a month would be worth it. Any thoughts?

Thanks so much.:ohmy:

[OnTheWay to Thin 0]

Only you can make that decision. However depending on where you live the surgery can cost anywhere from 10-20K. If you are changing insurance with no breaks in coverage they cannot get you for new waiting periods because your coverage is continuous. Call the new insurance and tell them you are considering changing at open enrollment, ask them if they have a medical policy on WLS, if they do get a copy of it, this will give you all their requirements and will give you a head start on preparation. Good luck.