Question:
When Looking for insurance how do you know they'll cover WLS without asking?

I am self employed and I am checking out different companies for health insurance. I plan to have this surgery in the near future. I was wondering if there is anything I should make sure the policy has to ensure that they will cover the surgery without coming right out and asking? Just because a policy has major medical doesn't mean it will cover the WLS does it? Since I was overwieght before I had the ins. could they call it a pre-existing condition? Anyone who knows please help it is greatly appreciated. Thanks    — ckinnerson (posted on October 11, 2000)

October 11, 2000
You'll simply have to take a look at their policy. My insurance policy clearly stated that it was covered if medically necessary, and only once in a lifetime. So, I can never have a revision and get it paid for. As for preexisting, just don't go to a doctor and have him say you need weight loss surgery before you get the insurance.
   — Cindy H.

October 11, 2000
My husband & I are also self-employed and when I started looking for insurance I just flat out asked them if it was covered. The insurance company I stuck with was Aetna because they were honest and of course they knew up front I was planning on this surgery. They have a website at aetnaushc.com and if you go to search and type in bariatric surgery it states that they will pay for it if it's med necessary and you meet the criteria. Good Luck!
   — melanie70