While I'm waiting on the insurance coordinator to give me a call from the surgery center...thought I'll get some input here. All my testing is complete except 3/6 month supervised weight loss program but my 2016 work insurance omit bariatric surgery BCBS. I found a plan through the market place UHC that would work. Have anyone used two insurance the Coinsurance is 0% after met $3600 deductible...oh how do I add a pic to my profile?

Edited December 22, 201510 yr by nicole91379

FOLLOWING! This happened to me. WLS was covered under our plan in 2015, not in 2016, and I have done everything required but meet the surgeon and do the psych eval. So bummed!

I was told I can buy a BCBS policy on the exchange up to 1/31/16 (cutoff on Obama enrollment) and self-pay for a policy. My friend who does medical billing said buy the spare policy 1-2 months before surgery and keep it up to 6 months after surgery to cover the post-op Dr. visits.

Also, she said any complications from WLS (gallbladder surgery, hernia repair, strictures,) would not be covered under your original policy -- it's viewed like plastic surgery -- optional, and any complications would need to be billed under the WLS policy you are buying. It's getting complicated!

I'm a 1099, so BCBS said I can buy any time, not limited to the 1/31/16 deadline, and WLS is covered.

Now, the other issues are choosing plans. I'm going with a high monthly premium and $1000 surgery copay after meeting my $2000 deductible, not the 80/20 plans or 70/30 plans, where I'd be responsible for 20-30% of a $30K surgery.

I'm interested in any advice/experience anyone has. I was devastated last Friday when I looked over the new insurance package and saw bariatric isn't covered anymore! Sucks.

Are you covered under a spouse's insurance?. I have a family plan with my employer includes myself and 3 children. I'm so frustrated with all of this.

Edited December 23, 201510 yr by nicole91379

Sorry for the delay, as you can imagine with Christmas, it's hectic!

Yes, we are covered under my husband's BCBS insurance which, ironically, I was SUPER excited to get with his new job as it blows away the shitty, basically catastrophic insurance we had before -- only to find the BCBS plan they are offering dropped WLS as a benefit.

This is SUCH a PITA and disheartening. I'm already taking a non paid hit when I have the surgery since I'm self-employed and don't get any paid time off, and paying for an extra policy -- on top of a stellar policy that is finally provided to us -- GAH!!!!!!!!!

I had aetna as primary from my employer and caresource through the state as a secondary and I didn't have any out of pocket expense...

My mother has both Medicaid and Medicare.

Be careful with this. In some cases the primary insurance doesn't cover bariatric then the secondary won't either.

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I have BCBS through my employer that covers WLS, and then I am also covered under my spouse's insurance that covers WLS as well. He is a retired federal employee with AMAZING insurance. The only thing I will have to pay out of pocket is the $300 'program fee' for consults with the physical therapist, nutritionist, etc. that insurance doesn't cover. I should have done this years ago!

I have 2 insurance And the only thing I've paid out of pocket for was my physic visit $120 wasn't covered.

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