Insurance Question...if anyone can help?
Does anyone on this forum buy their own health insurance out of pocket and what companies or policies pay for WLS. I am looking to buy my own health insurance...The company I work for does not offer Health insurance. If anyone could please help answer this question I would appreciate it. Thanks? Have a great 4 everyone!
I looked into an individual policy thru BCBS of NC - if you have had *any* medical issues in the past 5 years they seriously jack up the rate. I had broken my ankle about a year earlier - I got a quote (dont believe the one online its not even close! they quoted me less than $200) and they wanted......... caaaa-ching $900 a month. My friend had WLS and got a quote 2 1/2 years after from BCBS as well and they wanted $1200 a month for her. Not sure if they cover WLS these days - my guess would be no. 
sorry I couldnt be of more help!!! Not sure what other companies offer in NC - I know Cigna does not... I think UHC may but they definately dont cover WLS.
If there are enough people at your company you may want to see if they would get together for a small business plan - the company wouldnt have to pay anything if they didnt want and you could get a better rate as a group. I know Cigna and BCBS do small business - not sure of the requirement... when I worked at Cigna I think it was 100 people or more.
sorry I couldnt be of more help!!! Not sure what other companies offer in NC - I know Cigna does not... I think UHC may but they definately dont cover WLS.
If there are enough people at your company you may want to see if they would get together for a small business plan - the company wouldnt have to pay anything if they didnt want and you could get a better rate as a group. I know Cigna and BCBS do small business - not sure of the requirement... when I worked at Cigna I think it was 100 people or more. I can only answer question about insurance in general...not individual policies. I do our filing for our office and I know BCBS, UHC, Cigna, Aetna all cover WLS. It will depend on the policy you choice as to wether it's a covered benefit or not. Those are the big players and the company as a whole will cover it's just again depends on if you ask for it to be included in your policy and again not sure on the pre-existing or how that work for indiviual policy.
Good Luck
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