Some important insurance points

I guess bc of what I do everyday, I just wanted to remind everybody of some things about insurance.

1. Two people can have a united health care plan ( or bc bs or whatever) and those two plans be VASTLY different. I see people ask all the time " anybody have so and so insurance ". What really matters more is who s the employer? Especially in the case of major companies, they may be self insured ( they pay all the bills, not UHC. For example). In this case, the write the rules of the plan. If not self insured, there are a gazillion plans they can choose offered by bc bs for example.

2. Your employer hr dept should be able to provide you with the SPD for your plan ( the huge booklet that comes in the mail but gets misplaced . That is the " bible" of the plan and geared toward your employer. Great to use and quote if an appeal becomes necessary.

3. Call the number on the back of your card and the representative can be very helpful.

4. Open enrollment is coming up in most companies. If your spouse plan covers lapband and there are no exclusions ( and the plan allows spouses). why not consider getting on their insurance at least long enough to get it done. Just a thought.