For years we passed on purchasing medical insurance at DHs work because we simply could not afford it, but at we are 45 now and problems are cropping up:ohmy: This is going to cost us 100 dollars a week for just the two of us (The kids are covered under the "Healthy Families" plan) and I'm not quite sure how we'll afford it, but like always, we'll manage. But I figure II need to make the most of the insurance and take this opportunity to get lap band. I mean heck, after surgery my food intake will be restricted and that will reduce the grocery bill, helps cover the cost of insurance:laugh:

Our insurance is Blue Shield Access HMO with no deductable and the policy takes affect April 1st and states Bariatric Surgey as covered when medically neccessary.

I am 5'6" and weigh about 262, so my BMI is over 40. I'm hypothyroid (been treating myself the last 6+ years because of no insurance through mexican pharmacies) and really don't know if I have any real med problems since I haven't seen in a doctor in years.

I have been obese since I was about 20. Been on many diets (at least 30), lost lots of weight and regained just as much (including losing 77 lbs on Atkins in 18 months about 5 years ago). The only time I was treated by a doctor for weight control, I was given Phentermine and I think that lasted 2 months).

Since I am completely new at having insurance at all, I'm not sure where to begin. I have not yet received my insurance card, but when I do, I assume my first step would be to make an appointment with my PCP. Should I speak with her about lap band on my first appointment or should I establish a relationship with her first? Should I request a weight loss program? What if I lose too much weight? I know I can lose weight in 6 months, but it'll be back by 9 months.

Your thoughts and comments will be appreciated.

Thank You, Cindy T

I would schedule a complete physical with the PCP, discuss everything with her while you're there, even your inexperience with insurance, and even you lap band hopes and especially the thyroid probelm. The after all your tests come back and everything is ironed out, then you'll be ready to start the band process.

Thank you so much for the reply!:puke: I will do just that. Also, there are 2-3 seminars in my area, so I think I will attend each one. This way when I'm ready to ask for a referral, I will have already chosen my surgeon.

Thanks again.

Cindy T