Insurance, yuck

Price S.
on 11/3/11 7:56 am - Mills River, NC

So I have been on Cobra for almost a year and a half and it is coming to an end. I have started looking into other insurance since I have to have it and was just denied by BCBS, who I am currently covered by. Part of it is my upcoming surgery. We especially scheduled it for before the insurance change so we would know exactly what we were getting into financially. So now I can go into the uninsurable pool or look into doing a business group of one. It is just frustrating that I have lost 100lbs, have no co-morbidities left and still can't get insurance. This country has to change it's health care policies. Doesn't matter what your leaning politically, no one should be priced out of having insurance or told they are medically uninsurable.

66 yrs young, 4'11" hw 220, goal 120 met at 12 months, cw 129 learning Maintainance

Between 35-40 BMI? join us on the Lightweight board. the Lightweight Board

MajorMom
on 11/3/11 8:07 am - VA

DS on 08/09/07

Ugh! I hate insurance companies!

--gina

5'1" -- HW 195/SW 187/GW 115 July 08/CW 121 Dec 2012
******GOAL*******
Starting BMI between 35 and 40ish?
Join us on the Lightweights Board!
DS on Aug 9, 2007 with Dr. Hazem Elariny

Jody ***
on 11/3/11 9:16 am - Brighton, MI

RNY on 10/21/08 with

Sorry you're going through this. I know when I called for life insurance after my WLS and hit my goal I was told I'd NEVER get the best rate because of the risks of WLS.... that really disappointed me. I was at the best I've ever been and they said I was a risk - REALLY???

HW-218/SW-208/CW-126/ Lowest Weight-121/Goal-125 - hit 8/23/09/Height-5'3"

Regain 30 lbs from 2012 to 2016 - got back on track and lost it. Took 8 months.
90+/- pounds lost BMI - 24 or so
Starting BMI between 35 and 40ish?
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Price S.
on 11/3/11 10:27 am - Mills River, NC

RNY on 09/09/10

Evidently this is at least part due to the knee surgery. Even though it will be covered before I change, they are concerned about complications. I think WLS played a part also though.

66 yrs young, 4'11" hw 220, goal 120 met at 12 months, cw 129 learning Maintainance

Between 35-40 BMI? join us on the Lightweight board. the Lightweight Board

MacMadame
on 11/3/11 10:32 am - Northern, CA

VSG on 09/24/08

On November 3, 2011 at 4:16 PM Pacific Time, Jody *** wrote:

Sorry you're going through this. I know when I called for life insurance after my WLS and hit my goal I was told I'd NEVER get the best rate because of the risks of WLS.... that really disappointed me. I was at the best I've ever been and they said I was a risk - REALLY???

I don't think this is true though. On the questionaires, it depends on what they ask you but a lot of times they ask about "in the last 2 years" or "the last 5 years" and so eventually they won't even know about the surgery because it will be past the period they ask about.

HW - 225 SW - 191 GW - 132 CW - 122
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Starting BMI 40-ish or less? Join the LightWeights

italianspice
on 11/3/11 9:23 am - Eastlake, OH

RNY on 07/29/10

So sorry that you have to deal with this on top of your upcoming knee surgery.

Insurance companies are only out to make money and dont really care about the people. I hope you can find insurance soon.

~Maria

SW 230 Preop 205 GW 130 LW 131 CW 135 Ht 5'1"

Price S.
on 11/3/11 10:29 am - Mills River, NC

RNY on 09/09/10

Every state is required to have a high risk pool that can not deny you so I know I can do that but of course it is expensive and I'm not sure my Drs are part of the in-group ones. I'll be checking that tomorrow.

66 yrs young, 4'11" hw 220, goal 120 met at 12 months, cw 129 learning Maintainance

Between 35-40 BMI? join us on the Lightweight board. the Lightweight Board

Eliza55
on 11/3/11 8:11 pm - PA

RNY on 08/11/11

Price

I'm a bit cynical, but the number one goal of insurance companies is to make money. There is nothing about improving overall health (unless there is a payback). If the paypack isn't there for the insurance company, then they won't take people, or cover their costs. So they do cover WLS, because the costs to them are reduced in the future.

Banks and insurance companies both drive me crazy for this reason.

Eliza

Consult:239 SW:217 1mo:195 2mo:182 3mo:169 6mo:139 9mo GOAL CW: +2 from underweight

southernlady5464
on 11/3/11 10:57 pm

DS on 01/24/11

Price, sorry you are dealing with this...

Many BCBS divisions will not insure a sole propritorship with no employees. If we could, we would do that rather than be on a Medicare Advantage plan. However, I googled sole propritorships in NC and BCBSNC is listed...so maybe they do. http://www.health-insurance-carriers.com/northcarolina.html

Good luck...and if you need more help PM me, dh's cousin is a solo agent in Candler.

Price S.
on 11/3/11 11:25 pm - Mills River, NC

RNY on 09/09/10

I'm not a sole prop, but a corp. with one employee, me. Last time I couldn't because I hadn't been incorp. for a year. This time I have. I also qualify for the risk pool but my dr isn't part of the in network group. I hate all this stuff. My agent is in Candler, with Patton Morgan. Any chance of being in the same agency?

66 yrs young, 4'11" hw 220, goal 120 met at 12 months, cw 129 learning Maintainance

Between 35-40 BMI? join us on the Lightweight board. the Lightweight Board

Insurance, yuck

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Insurance, yuck