Any input for newbie would be appreciated

My husband is self-employed and we have had BC/BS for small group for five years . We had to get it when it was open enrollment, where they take you no matter your health issues. We were denied for the underwriters regular insurance due to my height/weight ratio and high blood pressure. This policy will not cover the surgery. I applied for Mamsi and they had to send to regular underwriters first, which I heard from today I was denied. I was told previously that I could do open enrollment with them in Dec and be covered so I wasn't too worried. I was told today that Maryland law has changed and now there is no open enrollment for self-employed for them or any insurance. So, now I will have to self-pay if I go ahead. I am just sick about this. What is a self-employed person with health issues supposed to do? I looks like there will be no insurance available to them at all. I can keep my current insurance but it will not cover the surgery or possible complications if they arise. If anyone has any advice or comments on this I would love to hear them or if you have self-paid how did that work out for you and did you have complications that your insurance did cover? Thanks

I was a self-pay...cost me 25,000 total...could have done it a *****eaper if I had stayed local, but decided that I loved Barix clinic in Pa and the surgeon.... How did we do it? We took out a second mortgage on our home...I pay the bill every montj just like a car payment.... Was it worth it? a million times over...l Was it a gamble? yes!!! but I would have been gambling if I had stayed fat....gambling with heart disease, stroke, diabetes, and the list goes on... no one can tell you how/what to do...rather I can tell you my personal story... for me, I would have paid twice that to get well...although prior to surgery, I would have told you that I couldn't have afforded it...now, I realize that I couldn't afford not to do it.. best wishes, RAE

I have Mamsi and called them 3 times and was told that the surgery was covered, but had to do the 6 month doctor supervised weight loss. My surgeon called and was told that I have an exclusion. I called back and now they tell me that there is an exclusion. I am totally sick also. I am not a good fighter, I won't be able to take much denial and will probably give up Cathy