Question:
insurance question????? help

i have an individual plan thru bc\bs and i know they will cover the surgery, but what i dont know is --- i have had the insurance only 2 months, i have a 1 year wait on all pre-existing medical conditions, but all new conditions coverage starts immediatley, so my question is will they consider my obesity, being overweight a pre-existing medical condition, because thats the only pre-existing condition i have,, thanks for the input!!!    — cbryant (posted on November 15, 2007)

November 15, 2007
I had no prob with Bc/Bs....I was just put on the plan four months ago....call them...They are really nice and will answer all your ?'s Good luck!!!
   — lesleigh07

November 15, 2007
I don't know what state you live in - I have BC/BS of MA and (like Lesleigh) they're always patient and great about answering questions and trying to figure out how to get coverage for something. Give them a call!
   — obeseforever

November 15, 2007
I'm in PA and have bcbs and was put on 2 months before I started the process. They were very nice and the woman I spoke to had just had the surgery and let me know that according to my doctors guidelines, bcbs would also cover a tummy tuck and breast reduction when the time comes. Good luck to you.
   — PAWLLA L.

November 15, 2007
I have BC/BS of NJ (HMO) and had to wait the year! Because my obesity was a preexisting condition...DUH. Greta
   — gretamarie

November 16, 2007
When I first looked into this surgery, I had bsbs of michigan and had had it only three months and hey were willing to cover it with no problem. I decided to wait as I was newly married, 34, and wanted to have children right away, so I am 3 weeks pre-op right now with a much harder insurance to convince, but I think you should be fine with the bcbs.
   — [Deactivated Member]

November 16, 2007
I have bc/bs of ga and have only had the coverage since july 07 and i am in the process of trying to get approved i sent in all my information in august and still haven't heard anything except they are telling me that they are reviewing my info as pre-exsisting they ask for all my medical records and i sent those in and now i'm waiting again i have called bc/bs on several occassions and spoke to them they are always very nice but every time they say my case is still pending so im waiting but my insurance does have a 12 month waiting period for pre-exsisting
   — Brigitte Coleman