pde1963

My husband and I are wondering if it is also a form of Discrimination that BCBS did by making me sign the form or not covering me and wonder if legal consel would be worth checking into?

I have BCBS of Iowa. When I took out the policy 8 years ago, they made me sign a weight loss "waiver" or they declined to insure me. I also had to sign one on my Rhumetoid Arthritis but they now have dropped that as I have had no issues. They also now cover my husband colonoscopies (which they had him sign a waiver on) but still no luck when I tried to get the lap band surgery approved. What must I do to try and get them to cover. My Doctor has even sent a letter to BCBS over 2 years ago requesting that I have weight loss surgery (but was also declined then). Do I have to build a case? To me, this seems like discrimination that they can do this and get by with it. Any help would be appreciated as I am DESPERATE to have this done. My BMI is over 52 and beginning to incur health issues.

I am new to this and wanted to ask if anyone else has had issues with getting your insurance to cover your Lap Band procedure? I have Blue Cross and when I took out coverage 8 years ago, they made me sign a "waiver" on weight loss. I've had a consultation with a Bariatric Clinic to have the lap band done but found today that they denied me due to the waiver on my policy. Did any of you run into this same issue and can you offer me any information on what I can do to get this passed thru. I am a severe morbid obese person with a BMI of 52 and I am starting to incur health issues, so I desperatly want the surgery and have wanted it for the past 4 years. I've researched it mothatically and am ready but my bubble got burst today with this news. A:confused::frown:ny help would be appreciated.

I am new to this and wanted to ask if anyone else has had issues with getting your insurance to cover your Lap Band procedure? I have Blue Cross and when I took out coverage 8 years ago, they made me sign a "waiver" on weight loss. I've had a consultation with a Bariatric Clinic to have the lap band done but found today that they denied me due to the waiver on my policy. Did any of you run into this same issue and can you offer me any information on what I can do to get this passed thru. I am a severe morbid obese person with a BMI of 52 and I am starting to incur health issues, so I desperatly want the surgery and have wanted it for the past 4 years. I've researched it mothatically and am ready but my bubble got burst today with this news. A:confused::frown:ny help would be appreciated.