BCBS Georgia

 A little over 4 months ago, I went through the process of getting the lap-band surgery. I went to the meeting, got all the information and set up an appointment with the surgeon. The DAY OF my meeting with my surgeon, I get a phone call saying that my insurance does not cover Bariatrics. I have Blue Cross Blue Shield of Georgia. After the phone call, I called BCBS to ask them what the heck was going on. We have a HIGH premium, so I figured since we pay so much (my parents that is) that it would cover it. BCBS repeatidly told me that bariatrics is excluded from our plan and that there was nothing we could do about it.

I need some advice. I have put this off for long enough and I am ready to do something about it. If this means switching insurance companies then so be it. 

Someone please tell me what to do!

I am sorry you are having such issues. I worked in the medical insurance industry for years. Your parent's employer actually chooses the coverage. The insurance company only administers that coverage. So, it is possible that someone else, with the same insurance company (BCBS Georgia) who works for another employer/company is covered for bariatric surgery while you are not.

I know this is all crazy, but switching insurances won't help if the employer has rejected Bariatric surgery from the plan (because of cost) another insurance company with the same employer will most likely exclude the same benefit.

If one of your parents is employed with another company, it may be worth trying to see if that insurance company has Bariatric surgery covered. If it does, you can try switching to that parent;s plan. If not.....you need to get a job with insurance coverage yourself or start saving!! I hope this information helps. Good luck to you!

Did you know that MOST people do not have bariatric coverage? It's expensive. The above poster is right.

If you do not have another ins plan to choose from you are left with self pay.