losing weight during presurgery diet - disqualification?

Chana
on 3/2/11 9:18 am
I'm just a little over 40 BMI.  My insurance requires a 6 month diet.  My question is if I lose weight during this time period while following the programs, I'll actually be below 40 BMI.  Will the insurance company then turn around and deny me for being too LITTLE?!  LOL - the first time I'll have ever been too small for anything!  I'd actually like to try my hardest to lose and get a head start during the next few months, but it seems to be kind of an awkward position if being diligent is going to bite me on the tush! 

As far as I know I have no comorbidities...
Dale W.
on 3/3/11 8:16 pm - Canonsburg, PA
I am answering this only from something I heard at attending my seminar to launch the whole process just last night.  One of the things they covered is that the insurance is mainly looking for proof of meeting with a doctor or nutritionist during that six months to make sure that you are loosing or staying steady with weight and not bouncing up and down.  Also that monthly visit is to make sure that the doctor or nutritionist is talking with you about setting weight loss goals, exercise goals, etc...  Specifically they said that loosing too much weight would not be a reason to loose approval. 
rmv101575
on 3/4/11 8:19 am - WA
I asked my surgeon the same question...he said the insurance goes by the starting weight/ BMI. I have lost over 20 lbs since January on his strict diet and exercise program, which is great, but I would be devastated if the insurance decided I was 'too small' for surgery after all this! Good luck to you!
~Ronda

    
nicholesnow
on 3/14/11 3:10 am - Mesa, AZ
I am in my third month of the six month supervised diet with a doctor. I have not requested approval yet becuase I knew without it completed I would be denied. I am worrried because I keep gaining weight, I went on Adkins diet last year and restricted my carbs and sugars to less then 1 carb a day, I was desperate. After 9 months I lost 55 pounds, the thinnest I had been in over a decade, excpet when I was pregnant. I went off the diet becuase it stopped working, and I have gained 90 pounds in 8 months, I have been on the 3 month diet and have gained every month in the weigh in, I am going to the school fitness center with a personal trainer multiple times a week and doing cardio, and am now on phentrimine, with the dosage increased on month two. Will they disqualify me if I do not lose the 5%? It says in my policy that I am supposed to lose 5% from baseline as a result of the physician supervised diet, and I cant make my body do it. I come from a family of severly obese people, 400,500, 800lbs in some cases. I do not know if there is something in my genes, or if I ruined my metabolism further, but I am really worried.
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