WLS prevents you from getting health insurance ???

(deactivated member)
on 9/6/10 8:42 am - Naples, FL
VSG on 09/20/10 with
My neice got a bypass many years ago, now says she cannot get a personal health insurance policy as it's an automatic exclusion.

She has to work somewhere she can get on a group plan.  She cannot get an individual plan.

I am self employed, so I can't get a group plan.  If this is true, I'll lose my health insurance. 

Can anyone comment on this?
malkee
on 9/7/10 12:15 pm
VSG on 10/25/18
 Did you ever get an answer about whether you'd be excluded from individual health care insurance after gastric bypass?
(deactivated member)
on 9/7/10 12:39 pm - Naples, FL
VSG on 09/20/10 with
Yes, I called two Ins companies.  One will call me back.  The one that did answer said that it IS an exclusion and will prevent them from writing you.

However, if you already have a policy they cannot cancel you, so you can keep it.
yasulh
on 9/12/10 6:53 am - Augusta, GA
The other option is to get into one of the high-risk pools being set up as part of the health care reform. They are specifically for people who cannot get private insurance due to pre-existing conditions.

RNY 11/15/2010

HW 280ish

SW (after 6 month diet) 247

Lowest post-surgery 183

Current 241

Considering revision to DS - have appointment 8/15/2017

BethR311
on 9/23/10 1:53 pm - Fort Wayne, IN
My understanding is that taking medicine for practically anything will get you either excluded from an individual plan or jack the rates so high you can't possibly afford it: allergies, migraines, high blood pressure, depression, etc.
 As of today I believe it is illegal for insurance companies to deny based on pre existing conditions ...
 Lucy van Pelt 
 Highest 255 Surgery 248 Current 170
Goal: 150
 

            
(deactivated member)
on 9/24/10 12:26 am - Naples, FL
VSG on 09/20/10 with
On September 23, 2010 at 9:57 PM Pacific Time, Lucy van Pelt (formerly LetItBe) wrote:
 As of today I believe it is illegal for insurance companies to deny based on pre existing conditions ...
I'm 99.9% sure that's not correct.  And honestly, it should be that way.  If they made a law saying they HAD to insure you no matter what, no one would get health insurance until they got sick.
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