Question:
Anyone know of an Individual Policy in TX that covers WLS?

My group Health Insurance Blue Cross Blue Sheild of Texas (Notorious for this kind of thing) will not cover WLS (exclusion). I also have a Hiatal Hernia that causes me reflux so bad I sometimes come up with a mouthful of vomit. My Dr. said I can get the WLS and Hernia corrected at the same time, but BCBS says that it is not "medically necessary". I have read my policy diligently and could not believe that the definition of "medically necessary" could be determined by the insurance company! Isn't this up to the doctor and me? I don't want to go through life burping up vomit in front of people! We are fighting it, but I know how they are.    — Shannon M. (posted on July 13, 2001)

July 13, 2001
I can tell you not to bother with Unicare Individual insurance. They have a written exclusion in every single one of their individual policies. I know of a woman in Quanah, Texas who used Trustmark a year or more ago, but she said the premiums were high. There aren't a whole lot of options in Texas. Wish I could be more helpful.
   — [Anonymous]

July 13, 2001
You might go to the list of Dr.s in Texas and look what insurances they have gotten approval for...or call Neweigh in Houston...they have an insurance specialist who compiles and submits all their packages to the insurance companies.
   — Tracey D.