Hello,

I'm a Canadian, who was banded in the United States 4 years ago. I'm a young guy, 28 yo, perfectly healthy, BMI is 27!!!! I have no complications from the surgery.

I will be moving to California in September and need to get health insurance! My question is, if my employer doesnt cover my insurance, will I be able to get individual coverage??? I called Aetna and they said that anyone with a lap-band is an instant denial?

How do most insurance companies work with getting insurance if you already have a lap band?

Thanks a lot

I'd be willing to bet that BCBSCA will cover you, but maybe after a year or two has passed since surgery. And they might want to exclude complications related to surgery. But I agree, your overall health has improved to the extent that you should be insurable.

Also, not every state has this type of medical underwriting. New Jersey and New York have guaranteed-issue individual health policies, for which you cannot be turned down. I swear, the range of rules about this sort of thing is horrific, and what makes ANY conversation about "national health insurance" an utter joke. Unless a decision is made in Washington to standardize health insurance rules from state to state, it will never get any better. :angry (Pet peeve of mine, can ya tell?)

Well, I sure hope you're right! I've been soooo nervous lately about not getting health insurance once I move to CA... i've heard a lot of strange rumors about what will happen to me with no insurance.

If none of the carriers want to insure me, are there other options??