Is my situation hopeless? Confusion RE: Insurance and Cobra

I am 18 years old and over 400+lbs. I have sought Bariatric surgery for 2 years now, spending the last year fighting and repeatedly losing the battles with my Insurance companies exclusion. Its iron clad. They absolutely will not cover WLS. One road block after another presents itself and I'm tired of it! The latest and the reason behind my post today: I am trying to purchase Individual health insurance. But because of my weight, NO insurance company will accept me. I was told my only shot would be to apply during Open Enrollment, but as I have just found out, apparently, I cannot apply for Open Enrollment until I exhaust the COBRA continuation of my insurance (through my parents self insured employer) for 3 YEARS. Meaning, I have to stick with this insurance for 3 years before I am able to change insurance and have a shot at surgery!?! I'm getting desperate and feeling above all else, hopeless, and tired of fighting. How can I get around this Continuation coverage and get an individual plan? Someone, please help me out here, I would appreciate it so incredibly much. [email protected]

We greatly appreciate your interest in helping us build our Q&A database. To discourage vandals from posting garbage, however, we require people to register before posting.

You must be logged in to post an answer. Click here to log in.