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Insurance _ Denied

Brandi Lewis

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Brandi Lewis    6

Brandi Lewis
Posted

Frustrated. I was denied health insurance several years ago due to being too fat... Now after loosing 100++ lbs and weighing 207 at 5'8 and healthy I have been denied health insurance due to having the WLS. And let me add, I had no complications at all, and no issues since surgery on 11/17/2010.

Anyone else been denied health insurance due to having WLS. ???

Brandi

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DoOver    17

DoOver
Posted

Wow. I can't imagine this happening and my having WLS was driven primarily so I would qualify for some different kinds of insurance I was being denied. I really wanted to get on with a long term care company before I turned 55 when the rates skyrocket. I will be applying again in December but, to be honest, it's occurred to me that they might reject me. I've given them another reason. Not logical, but a reason.

This is why people hate the insurance companies. Talk about playing with a marked deck.

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twoboysandagirl    109

twoboysandagirl
Posted

This is just so wrong...I am praying that everything works out for you!

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DoOver    17

DoOver
Posted

Give it at least one year! They are looking for 1-2 years removed from the procedure. I am in the insurance business.

I hope this is true. But for me it won't matter since the 3 long term care companies have all announced they are no longer accepting new enrollers after 12/31/11. I was holding off applying until the last possible date so my weight would be as low as possible since that was why I was rejected last year. So I called them all and asked after reading this thread and they all said my having had the surgery now "would be reason to deny". And, of course, any company I find next year I won't be able to afford because I will be 55.

Glad this thread was posted. It was in the back of my mind but I guess it's just as good I know now.

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Browneyedsouljah    5

Browneyedsouljah
Posted

@DoOver should look into finding a certified senior financial counsilor. They will be able to find the LTC companies that will accept you. I have a mentor who has MD and was still able to get LTC coverage. Her husband is severly overwieght and he also has a plan. There are plenty companies out there as LTC is a hot product. Loosing the weight and having great lab results for a minimum of two years will be benifical.

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DoOver    17

DoOver
Posted

@DoOver should look into finding a certified senior financial counsilor. They will be able to find the LTC companies that will accept you. I have a mentor who has MD and was still able to get LTC coverage. Her husband is severly overwieght and he also has a plan. There are plenty companies out there as LTC is a hot product. Loosing the weight and having great lab results for a minimum of two years will be benifical.

Thanks. I know I can get it. It's the price point that's the issue for me. I will continue to try but I'm doubting I will be able to afford it with the increase this area of insurance is implementing in 2012. I have a councilor through Edward Jones and he pointed me to the ones who rejected me. (Again, rejected at the price I could pay, not overall. If I had $1125 per month, one was happy to have me. ) Not too embarassing......:(

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Go To Topic Listing POST-Operation Weight Loss Surgery Q&A

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    • Alisa_S

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      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
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      1. LeighaTR

        LeighaTR

        I hope your surgery on Wednesday goes well. You will be able to do all sorts of new things as you find your new normal after surgery. I don't know this from experience yet, but I am seeing a lot of positive things from people who have had it done. Best of luck!

    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. summerseeker

        summerseeker

        Life as a big person had limited my life to what I knew I could manage to do each day. That was eat. I hadn't anything else to look forward to. So my eating choices were the best I could dream up. I planned the cooking in managable lots in my head and filled my day with and around it.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        I still cook for family feasts, I love cooking. I still do holidays but I have changed from the All inclusive drinking and eating everything everyday kind to Self catering accommodation. This gives me the choice of cooking or eating out as I choose. I rarely drink anymore as I usually travel alone now and I feel I need to keep aware of my surroundings.

        I don't know at what point my life expanded, was it when I lost 100 pounds? Was it when I left my walking stick at home ? Was it when I said yes to an outing instead of finding an excuse to stay home ? i look back at my last five years and wonder how loosing weight has made such a difference. Be ready to amaze yourself.

        BTW, the liquid diet sucks, one more day and you are over the worst. You can do it.

    • CaseyP1011

      CaseyP1011

      Officially here for a long time, not just a good time💪
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