Question:
Are Insurance Companies or Employers Responsible for Exlcusions?

My husbands employer is changing Aug.1,2003 and I have been intouch with the lady that sells the group insurance to his job and she told me thier new insurance will cover wls as long as medically neccesary (UHC) I asked her if my husbands job has to pay extra to have it covered (they had it covered before the insurance change w/ bcbsfl)She said no but she said when she talks to united health care she is going to let them know that this wls is on the horizon( she knows all the trouble I have been through with bcbs they approved it but for 8/1/03 when it is going to change)anyway I wanted to know by her telling UHC is she going to ruin my chance with them covering it even if my husbands job dont exclude it? sorry so long thanks for any answers.    — marie M. (posted on June 29, 2003)

June 29, 2003
Exclusions are something that an employer chooses not to have in their coverage for employees (and dependents). An insurance company will cover most anything so long as the employer is agreeable to having it in the policy and paying the extra premiums for it. I don't "think" her mentioning it could hurt your chances, but <shrug> nothing is certain. Good luck!
   — [Deactivated Member]

June 29, 2003
I don't think this lady is going to hurt your chances. It sounds like she is trying to be helpful and reassuring. Since you were previously approved before the change in insurance goes into effect, you shouldn't have any problem. But I'll keep my fingers crossed for you!
   — koogy