had surgery, now changing ins. & no one will cover us. Which companies pay for surgery???

I need some help! My hubby and I both private paid for our lapbands in July. We are self employed and our health insurance is shooting up to 2K a MONTH. We just cannot do this. This rate increase has nothing to do with our lapband or anything else. We have NO other medical issues. The rate is just because we're a small two person group. Our agent shopped for a new policy and has found that EVERYONE she's looked into has denied us because we've had lapband surgery!!! She said they all consider it the same as gastric bypass and they deny for that reason as well until at least 5 years after surgery!! I've had some people tell me to just lie and not put in our our application, but an insurance company can see exactly what you've had done by looking at the national clearinghouse. So, not a smart option. I've asked her to talk with an underwriter/manager to see if they will do a written exclusion and not include anything that can be remotely considered a lapband issue. I doubt they'll do this because quite frankly insurance companies don't care. Someone else recommended I find out WHICH companies ALLOW for lapband surgery, then perhaps they wouldn't discriminate against our previous surgeries. Does anyone know of insurance companies who COVER lapband as a regular part of their plan??? My agent said it would have to be a company who covers it without having to show medical neccessity, etc. Our insurance ends Aug 31 and I have NO idea what we're going to do. I feel that we're damned if we do and damned if we don't. Insurance companies either deny you for being overweight OR they deny you because you took charge of your life and lost weight thru surgery. NO other health issue is handled this way. UGH Thanks for any help!!! :) Melissa

melissa - I sent you a pm with some information.  I too am uninsurable because of my wls and complications thereafter. I know exactly how you're feeling right now!!!  HUGS

I believe your state should have a plan for people who are considered uninsurable. check it out.

may be different in your state but here all you need to do is hire a PT employee and offer medical insurance. there are no pre-exsisting condition with a group policy. It cannot be family member has to be a legit employee. Then you may also need to buy workers comp. where you don't need it if you're self employed, at least I don't