I am self employed i work with 2 other people. We are in the process of getting a group policy we are a bit overwhelmed. We all want BS of so cal but are not sure which ones are better. We asked the broker and he gave me 4 books that are over 2" thick each on whats covered and not. I dont have the time to read all that.

Anyone have BS or Aetna in socal? We would prefer HMO because of cost but i know some HMO do not cover lapband but some do. Any info would help.

We need to have this b4 May 31. Its when our cobra runs out from our old company that downsizes us all.

Thank you all

Kar

PS if you know a GOOD broker in LA area send me that tooo

Edited March 21, 200917 yr by muiritelove
left out line

The broker is making money by selling you the policy. Get him to give you a comparison, including which cover WLS. If he won't, find another broker.

I have a cost compairison but i have called other brokers just waiting for them to get back to us before HIPAA goes in to effect. The cost will more than double for us

Bs of california is better..i work for anthem bcbs so i know what i am talking about..

From what i know aetna has alot of "red tape" before they approve bariatric surgery..

You need to make sure the policy you are purchasing covers lap band. Not all do. And yes, insurance is horridly expensive. People fuss about their coverage and don't really know, I don't think, how much it costs employers. It's insane. A good broker will be able to tell you what's covered and what isn't, or do more for you than "give you the books"...I know because I was responsible for insurance for my company for 20 years. They can do more for you than just a cost comparison.