new here, bluecross denied because of weight

Recently i applied for Blue cross health insurance and i was denied because of my weight. I'm 5'4" 300.... They said I had to weight 221 for six months to be approved......IF I COULD loose that weight on my own I would... please does anyone have this problem or does anyone weigh around the same weight, and who's your insurance company ? What insurance companys gave you problems .... any help is very much apperciated...

The best info I can give is to hit the website. I went through agents to find health insurance. But I never bought a policy, b/c I started work. Just get on that web. Sorry couldn't be more help.

Hi, Usually the surgeons ask patients to lose at least 10% of body fat to shrink the liver prior to surgery, to make the procedure safer. I have never heard of insurance company requiring anyone to lose that much weight before surgery. These insurance company are purposely coming up with these things to get out of paying. People file for wls because all other conventional method failed. After you have lost the 78 pounds, they will tell you that the surgery is not necessary, because you have proven that you can accomplish weightloss from conventional dieting? Keisha

You really need to investigate that insurance company and/or agents, because I have never heard in my life of a company denying coverage because of someone's weight. I been at my heaviest for a few years and haven't been denied coverage of my husband's insurance. I was denied the surgery on my husband's insurance so I got some insurance through my job for the surgery. I have BC/BS Federal Standard and I read in its policy that no one is denied coverage because of a pre-existing condition. I know certain things may be excluded in a policy but never a denial of coverage because of weight. Sounds like DISCRIMINATION to me so check that out. Talk to a lawyer if you have to, but don't let it stop you from going for your goal.

From what you posted, it appears that you have applied for an INDIVIDUAL policy. According to their underwriting guidelines, you can't be accepted for coverage, since your weight is a "red flag" if you will, for other comorbid conditions. You are to big of a "risk" for the insurance company to undertake. If you get your weight under their requirement of 221 pounds, and you can keep it there for 6 months, they will agree to cover you. However, I would bet you dollars to doughnuts, that any treatment for obesity, will be strictly excluded from your policy. Also, I would be highly suspect that any time your weight goes over 221, they could cancel your coverage. If you decide to go this way, get everything in writing, especially regarding these issues. Do not go on the verbal "say so" of an agent or customer service rep. When you are covered under a GROUP plan or policy, like under an employer, the requirements are usually more lenient. The larger the group of employees, the more likely this is to be true. If you enroll during an open enrollment period, or during an initial period of employment, "Evidence of Insurability" is rarely required. Hope this helps...