Question:
Switching Insurance- BCBS California or Kaiser? Opinions please.

I have had Health Net for the operation and almost a yr. out but now have to choose another company. Either Kaiser or Blue Cross of California. If I switch to Blue Cross I keep my surgeon and support but loose a chance for tucks ups. If I choose Kaiser I loose my support and doctor, but maybe get the tucks. Any ideas or help out there???    — Janie H. (posted on August 18, 2002)

August 18, 2002
I have BCBS of CA and a co-worker who has it was approved. I don't know if I am approved yet but I got the exclusions from my employer and it says they dont' pay for weight loss treatment, but it also says that treatment for Morbid Obesity will be paid. So ask for the exclusions and compare them.
   — Kristen I.

August 19, 2002
I have Kaiser in SO CA- (employee there too)~ before Idecided I would speak to both companies about the specific weight loss surgery coverage- I know that Kaiser requires that you have a higher BMI (50) than some other insurances- but will waive it with co morbidities or if you have a great PCP who can write a wonderful recommendation letter. Anyway, be sure to read the policies before making the decision!
   — ~~Stacie~~

August 19, 2002
I have Blue Cross of California. Once my surgeon submitted my paperwork, I was approved for lap RNY in 8 days. Blue Cross has made timely payments on the claims. No complaints from me.
   — Jennifer A.

August 19, 2002
Thank you for the responses. I had the surgery all ready I was wondering about the after care? I want to be able to later on get tuck ups and want the right one to sign up with. Right now I am leaning towards Blue Cross. I want to stay with my surgeon for the support. But thanks for the input.
   — Janie H.