PLEASE HELP TOUGH QUESTION!

Hi, I have had a lapband for 3 1/2 years. It was paid for by Motorola and the network was CCN and now Humana.  My husband got laid off in late July and our insurance expires November 30th. We have the COBRA option, but decided it was cheaper to look into an individual plan for our children through Unicare here in TX.  I called a few insurance companies to discover that I am high risk and uninsurable because of my lapband. No one will insure me it seems regardless of the fact that I am healthier, have no health issues and I am no longer morbidly obese. It seems my only option is to pay 400.00 plus for Cobra until my husband finds a job with group insurance. Does anyone know of any insurance company with an individual plan that will insure me that is cheaper than COBRA?  IT is possible that my husband may opt to work for a really small consulting firm that  may have insurance, but as a very small group, they will also have underwriting requirements. Besides the COBRA will run out in 18 months and at that point, I would have to get insurance and with a lapband, I would only qualiffy for the TX high risk pool which probably would cost more than the COBRA. I cant believe this. Surely there must be insurance available to me? I would even consider an exclusion for any band related maintenance or problems since I dont have any and dont expect to in the near future. If it became a problem, I would just go to Mexico and have it removed. Any ideas??? Please?? Babs in TX 334/190 ish 

I dont think that going to mexico and having it removed would make a difference its still in your med history it would prob make you more high risk... If your husband got that job it doesnt matter how small of a company it is GROUP insurance plans cannot declare someone high risk and refuse to insure them they can however put in pre existing conditions BUT that just means that you need to show proof of credible coverage jsut a letter from your old insurance company usually stating you had insurance with them and there hasnt been a break in coverage of more then so many days as long as you can prove that or wait thru the waiting period without any related problems usually 6-9 mo you will be fine the only other option i could think of would be to insure just the kids on an individual plan and see if they have a temporary pol of some kind that covers catastrophic injury but even thats questionable the only other thing is that you can apply for group insurance if you are self employed and own your own company or run a bussiness of any kind and have prouf you can have a group of 1 and they wont look and they wont look at your med history.... well hope that helped GOOD LUCK!!!