HELP - Finding a plan that will cover WLS in Texas

[MrsL12 0]

Help. Me.

I currently have insurance through my husband's work but they have wls specifically excluded so I am looking to change my insurance when open enrollment comes up again. I have been trying to research what insurance companies and plans cover wls and have been spiraling down a black hole since. EVERY plan I have seen says that wls is excluded. I called BCBSTX and the lady said that all of their plans cover it if it is medically necessary but all the their plans online show it under exclusions. 🤦‍♀️

So I guess I am trying to find out, if you live in Texas, what insurance company and plan did you use to get an approval for wls? Or do you know of any resource that would have that information?

Thank y'all so much!!

[liveaboard15 1,292]

Unfortunately you will not find a plan that will cover it in Texas thru the affordable care act (obama care) I have done lots of research on this specifically because here in Florida its also excluded... These are the states where its covered. Your option would be to move to one of these states temporarily, Establish residency, get healthcare, get your surgery and leave. If you notice most southern states are excluded because people in southern states tend to be overweight when compared to northern states. (according to multiple articles i read about bariatric surgery. This is my backup if i end up needing a revision is to move. South Dakota seems to be the easiest from the research i did.

Edited April 27, 2022 by liveaboard15

[MrsL12 0]

13 minutes ago, liveaboard15 said:

Unfortunately you will not find a plan that will cover it in Texas thru the affordable care act (obama care) I have done lots of research on this specifically because here in Florida its also excluded... These are the states where its covered. Your option would be to move to one of these states temporarily, Establish residency, get healthcare, get your surgery and leave. If you notice most southern states are excluded because people in southern states tend to be overweight when compared to northern states. (according to multiple articles i read about bariatric surgery. This is my backup if i end up needing a revision is to move. South Dakota seems to be the easiest from the research i did.

I was told by BMI of Texas that the marketpalce plans do not cover it but some individual plans through the insurance companies directly do. They couldn't tell me which plans though

[liveaboard15 1,292]

1 minute ago, MrsL12 said:

I was told by BMI of Texas that the marketpalce plans do not cover it but some individual plans through the insurance companies directly do. They couldn't tell me which plans though

I hope you are able to find your answer. I just had my surgery on the 18th and it cost me $18,000 which really sucked lol.

[lizonaplane 1,605]

many people can't afford to do it in the US and go to Mexico. I know many people who have done this, but you have to decide if that's right for you. There are always tradeoffs. Good luck!