Hi. I will also post this over in the insurance section. I am currently on COBRA; but it will be running out in a few months.

I called my insurance to see what my policy will cost after COBRA. Turns out that due to LAPBand they will not cover me at all and that I need to turn to my states high risk insurnace pool. They will not cover me because of the lap band surgery. I have to be 3 years out. For a 1700 deductable the insurnance will be $526 a month for 80/20 policy. FYI. So hears to hoping that I get a full time direct job with benefits before my COBRA runs out!

Thank you for posting the information. I am my husband is military so right now we are fine, but if he cannot reenlist I worry about insurnace issues.

You can get a policy that will only cover hospitalizations/major illnesses for a lot less than that. I had one once through Blue Cross. It didn't cover doctor visits or prescriptions it was just a major medical policy. I had $1K deductible and then 80/20. It was around $100 a month.

I am in the same boat with COBRA! good luck!

SpoiltMom, I have blue cross blue shield. They said I was uninsurable and that they would send me a rejection letter so that I could provide it to the state insurance group so I could seek coverage there. I DO NOT want to start a political debate; but insurance companies only have to insure children who have preexisting conditions. Insurance companies will not have to insure adults until like 2014.

SpoiltMom, I have blue cross blue shield. They said I was uninsurable and that they would send me a rejection letter so that I could provide it to the state insurance group so I could seek coverage there. I DO NOT want to start a political debate; but insurance companies only have to insure children who have preexisting conditions. Insurance companies will not have to insure adults until like 2014.

The policy I had excluded all my preexisting conditions and I had lots and it really only covered like major major medical. Like catastrophic stuff that would leave you in a huge bind otherwise. I still had to pay for most daily/routine care. I had it on my son also but it covered more for him b/c he had no health conditions. I'm just saying it might be worth it to call an independent insurance agent and see what they can do.

Oh one thing though for me to get it I could not have a lapse in coverage. It started the day dh's policy dropped me and I had to provide proof of continuous coverage.

Oh and I meant to add there are other companies besides Blue Cross that offer these policies.