Question:
Is morbid obesity considered a pre-existing condition?

I am in the process of selecting an insurance company that will pay for WLS, but was wondering if morbid obesity was a pre-existing condition. I currently have an HMO and was looking to find a personal policy,like BC/BS of Florida as my secondary policy, to cover the surgery. Has anyone run into this problem? I would appreciate any info on ANY personal policy that covers bariatric surgery.    — K. B. (posted on January 25, 2001)

January 25, 2001
I tried to get insurance for myself several years ago and because of my weight, I would have to pay through the nose. They wanted a diet history and weights at different ages. I felt that I was being discriminated against. Good Luck in your search, I'm sure that there are some great insurance companies out there!
   — [Anonymous]

January 25, 2001
the day after my first appointment with my surgeon, my company changed insurers to BC/BS of Massachusetts. I didn't have any problems. Good luck
   — enjo4

January 25, 2001
Yes it is a pre-existing!!! If you are geting insurance from your emplyoer don't worry because they have to take and treat you with pre-existings. Self insured is very different. It may be a lot harder and take longer to have this surgery self insured but don't give up!!!!!
   — Patti K.