Insurance Etiquette

I just have a quick question. My insurance will be changing due to a change in my husband's job. I am just wondering how long is the appropriate time to wait after starting a new job and the new insurance starts up to begin looking into WLS approval?  Thank you for any help you can offer.

I guess it depends on the policy about pre-existing conditions and waiting periods. Some companies want you to wait an year for pre-existing conditions. I would try alternative weight management during the waiting period and after a year proceed with weight loss surgery.

Waiting periods should not apply as long as you had prior continuous coverage. I don't think it's "rude" to use your insurance right away.  ;)

I've always been under the impression that if you've maintained your coverage, no matter the carrier, with no lapses that the pre-existing / waiting periods did not apply.  I say go for it!

If there is no more than a 60 day lapse between coverages there is no pre existing.   If no lapse in coverage and have continous coverage pre-existing does not apply.    You just need to check you new carrier to see that there is no exclusions for WLS

There will not be a lapse. I know that I have to find out about exclusion for WLS, that is what I did with the current carrier, what I'm asking is at what point should I start asking the questions. Wasn't sure if it was rude to come in asking what I have to do to qualify for WLS when it's a brand new job for DH. In other words should I give it a few months? Thanks for all the input.

Jamille call them now  I mean during business hours.  Call the number on the back of your card and ask them the criteria that has to be done for WLS if its covered the can or should give you the medical policy that has to be met.  If you need my help just ask I am well trained and have 30 years experience in the customer service aspect of medical insurance   just let me know I get bored sitting at home and will ing to help anyone that needs help with answers and questions Vicki

Thank you Vicki . He begins his new job in a couple of weeks. Next week is his last day at his current company. I was devastated when I called to find out if it was covered under our current Blue Cross Blue Shield of Tennessee policy. They had a "no obesity related procedures" exclusion. I was hurt, but I see this new company as a new opportunity. So as soon as the insurance kicks in I'll give the insurance company a call and hopefully won't hear flat out that it's an exclusion.

get it faxed to you just to be sure

Thank you for the response, unfortunately I think I am being misunderstood or maybe I worded things wrong. Here is the scenario: Hubby's current employer carries blue cross blue shield of tennessee. His company went with a obesity related procedure exclusion to save money. Have been told over and over again since April when I started asking that WLS was excluded. Fast forward, hubby starts a new job 1/28 that will bring with it new insurance.  Dilemna: I am just not sure if I should give him a little while to get settled in the job before I begin inquiring about WLS coverage.