ok just thinking.........?????????(X Post)
am sure everyone knows that I am appealing the insurance companies decission on saying my surgery is an exclusion on my health insurance policy is not a treatment decission but contractual. Now I have a curious question and really wonder if this maybe a solution to the issue.
I have been in touch with other health insurance companies and have been quoted a price of 300/month premiums and gaurenteed coverage for the wls and all possible problems associated with it.
Now my question is this.
If I keep my current group health insurance at work and pay one yr in advance for the suplimental coverage ($3600.00) . Which translates to getting the surgery done for 3600.00 and gaurenteed coverage is it worth it if I can afford to that.
The insurance company has a 30 waiting period for preexisting conditions but after that I am covered for every thing.
Opinions,comments, views are welcome on this topic. Specially those that have fist hand knowelege of insurance industry.
Ciao from baltimore
Zells_lori
I have been in touch with other health insurance companies and have been quoted a price of 300/month premiums and gaurenteed coverage for the wls and all possible problems associated with it.
Now my question is this.
If I keep my current group health insurance at work and pay one yr in advance for the suplimental coverage ($3600.00) . Which translates to getting the surgery done for 3600.00 and gaurenteed coverage is it worth it if I can afford to that.
The insurance company has a 30 waiting period for preexisting conditions but after that I am covered for every thing.
Opinions,comments, views are welcome on this topic. Specially those that have fist hand knowelege of insurance industry.
Ciao from baltimore
Zells_lori
never settle for less than you deserve and you deserve only the best. 
Nessa:
No I haven't checked on the board here. I did speak with the representative and told her exactly what I was looking for. A suplimental that would cover weight loss surgery because my group health insurance has it as an exclusion.
She checked specifically for that and quoted me a price of 3600 for a year and they would cover all if any complications.
Your right most private insurance does not cover wls. I have not made a decission as of yet.
I am faxing and fed exing appeal tomorrow. and also contacting the California Department of Insurance and have contacted Obesitylaw.
So we will see what happens.
No I haven't checked on the board here. I did speak with the representative and told her exactly what I was looking for. A suplimental that would cover weight loss surgery because my group health insurance has it as an exclusion.
She checked specifically for that and quoted me a price of 3600 for a year and they would cover all if any complications.
Your right most private insurance does not cover wls. I have not made a decission as of yet.
I am faxing and fed exing appeal tomorrow. and also contacting the California Department of Insurance and have contacted Obesitylaw.
So we will see what happens.
never settle for less than you deserve and you deserve only the best.
Hi Lori,
I have no idea about all this. But I do give you props for checking all avenues.
Wishing you nothing but the best.
G\ood Luck!
I have no idea about all this. But I do give you props for checking all avenues.
Wishing you nothing but the best.
G\ood Luck!
I am who I am and accept my feelings wholeheartedly.
Those that mind don't matter, and those that matter don't mind.
Cira 249/144.0 current/goal 154/ 5'3" 10 lbs below my Dr's goal
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