Advice on 6 month diet

TheCutestFatty · July 8, 2009

Hi All,

I am not currently insured (lost my job) but I wanted to know if it would be wise to go ahead and have a consult and start with the 6 month diet plan some insurers require so that when I do get a job I will have already done this?

If I do this could the insurance company say it is a preexisting condition?

Has anyone done this before; used a weight loss program from before they were enrolled under their insurance company?

kennedysj427 · July 9, 2009

since your currently unemployed you should apply for Medicaid . then go to your primary physician and they can direct you in the right direction.

ParrotheadCathy · July 9, 2009

Cutest, realize that a lot of insurance policies do not require any supervised diet and you could just be spending money on a supervised diet when you don't need to. The one thing all insurance policies have are requirements of a minimum BMI (usually 35-37 with comorbidities or 40 without comorbidities) and if you were to lose successfully on the supervised diet you could diet yourself out of future qualification. And that wouldn't be bad in and of itself but that wasn't what you were asking.

There are too many ifs to speculate on when you don't have insurance at all and have no idea what the coverage might or might not include once you get a job and insurance in the future. Some policies have written exclusions for weight loss surgery of any time and you cannot even appeal for coverage in the face of a written exclusion (mine did so I was self-pay).