Question:
approved with BCBS but had to change INS now was denied

I was approved with BCBS on 7/29 but had to change INS due to my hubby's employers changing INS companies to Humana and now was denied 8/26. I will apperal but isn't there a law that states they have to accept the decision and work with the 1st INS company. I tried to continue with BCBS on my own but due to my weight they can not even write a policy for me. 280lbs this is tough.    — abby13079 (posted on September 2, 2003)

September 2, 2003
I believe the law you're referring to is the HIPPA. This law says basically that if you had coverage for the last 18mos without a break (I think it's a break greater than 60 or 90 days) you can't be denied insurance because of a pre existing condition. I would contact BCBS and tell them they have to write you your own policy because of that. That way you won't have to start the approval process all over again. You should also contact your local insurance commission (sp). Hope this helps. Terri
   — tinky471

September 2, 2003
Id like to hear from an insurance person on this. I had bcbs and my "approval" was only good if I still had bcbs on the day of the surgery. If you are no longer covered by bcbs I cant imagine that they will pay. I would work w/ humana, as I know people who have had surgery paid for by humana. I know tho every policy is different and yours may be different than the one Where I work. First I owuld see if wls is a cvered benefit under your policy. If yes, then I would find out what exactly they want rom you in order to qualify you to pay. the insurance portibility law HIPPA to my understanding requires that a new company insure you as long as you have been continually covered, but would not require a company you are no longer insured by to pay for surgery. Good LUCK!
   — **willow**