Question:
i finally got the referrel for surgery from my pcp! just 1 question?

does anyone think i will have a problem with my insurance declineing the surgery because i have 1 year waiting period on all pre-existing med. conditons, i just thought they might would consider my obesity to be pre-existing even though they knew my weight when they approved the insurance policy..... thanks again, i love this site.....    — cbryant (posted on December 4, 2007)

December 4, 2007
I believe that if you have other pre-existing co-morbidity issues with the weight they will look at it closer because in the long run it would cost insurance more to take care of those co-morbidity issues thant o have the surgery. My own insurance changed on Oct. 1st of 07, my paperwork was submitted 11/2 and the approval letter sent to me dated 11/6, I hope you're does the same! Hang in there, Leslie
   — LuvNSummer

December 6, 2007
I may be totally off but I don't think morbid obesity is considered to be a pre-existing medical condition. Apnea, diabetes, etc. are though. Hmm. Maybe I'm not making any sense. Doh. :) Best wishes to you.
   — mrsidknee

December 7, 2007
Congratulations, Cristine! My suggestion would be to contact the insurance company and ask. But be forwarned - I've learned sometimes you can call 3 different times about the same issue and get 3 different answers, so make sure you get the rep's name that you spoke to and either their customer ID number or their extension for further use (they most likely won't give their last name; that's why the other info is handy). Also - much information is usually on the insurance company's web site. It's tedious to find where the information is buried, but at least you can print out the coverage page as proof!
   — obeseforever