OK just thinking ........?????

I 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

Hi I think it sounds great if it works.  Out of curiosity, I am going through a similar situation what ins. company that will cover the wls?  Also, I noticed you are from baltimore.  I heard that it is Maryland state law that any insurance there has to cover wls if the procedure is considered medically necessary?  Good luck!

In order for the secondary insurance to pay, you simply send the denial letter from the primary insurance along with any other documentation the secondary insurance requires.
It's actually pretty easy. I used to do it all the time for my patients when I worked at a WLS center.

Good luck!

Bonnie
RNY 6/3/05
264/150

I have been considering doing the same thing but can't find an insurance company that will guarantee coverage.  Would you be wiling to share the details of the supplemental policy and insurance company?