Question:
Does anyone of an insurance company selling individual policies

covering wls in these two states. I have clicked on the peers section but they do not tell if it is group or individual..PLease Help......Thanks [email protected]    — wafflegirl (posted on May 17, 2002)

May 17, 2002
It's not a question of finding an insurance policy that will cover WLS, it's a question of finding an individual policy that will TAKE YOU. No insurance company that sells individual policies will accept even mildly obese people, or most of our pre-existing conditions (sleep apnea, diabetes, HBP, etc) and they don't have to. Only true group insurance HAS to take you and all of your pre-existing conditions. True group is only available when you go to work for a company that carries insurance for it's employees. I am pretty sure this is the case in all the states, but I KNOW it is true in Texas and Louisiana, because I am in the business here. Sorry for the bad news. Best of luck to you!
   — DJeffrey

May 17, 2002
I don't know about Texas or Louisianna but here in Oklahoma there is a high risk pool and you can't be turned down based on medical conditions. You might see if there is a high risk pool in either of those states.
   — mamadawny

May 17, 2002
First, you'd have to actually find an insurance carrier that would accept you. With individual insurance, you'd have to go through medical underwriting before being approved for coverage. Obesity, even mild, would be a cause for denial of coverage. The only plans that may accept you with medical issues would probably be individual HMO's or individual Medical Savings plans. I would suggest checking w/an insurance broker or agent in your area. Not only can they help you find coverage, but they can also advise you of any alternative plans in your State.
   — Rosario T.