Insurance _ Denied

[Brandi Lewis 6]

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

[DoOver 17]

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.

[Browneyedsouljah 5]

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

[twoboysandagirl 109]

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

[DoOver 17]

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.

[Browneyedsouljah 5]

@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.

[DoOver 17]

@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......