I have BCBS of Iowa. When I took out the policy 8 years ago, they made me sign a weight loss "waiver" or they declined to insure me. I also had to sign one on my Rhumetoid Arthritis but they now have dropped that as I have had no issues. They also now cover my husband colonoscopies (which they had him sign a waiver on) but still no luck when I tried to get the lap band surgery approved. What must I do to try and get them to cover. My Doctor has even sent a letter to BCBS over 2 years ago requesting that I have weight loss surgery (but was also declined then). Do I have to build a case? To me, this seems like discrimination that they can do this and get by with it. Any help would be appreciated as I am DESPERATE to have this done. My BMI is over 52 and beginning to incur health issues.

As I posted to your blog, I think if you WAIVE coverage that means you have no coverage. Sorry.

By the sound of it ur insurance company put that "waiver" agreement, just so u couldnt even try to take them to court to have it appealed. Unfortunately your insurance's or employer's (whichever) legal people made sure that they covered their butts...when it comes to their policy holder's even having a chance on trying to appeal restricted health care procedures.....the only thing i could think of is to try to get insurance on your own, and or go out of the country to have the procedure done alot cheaper.....,

Edited May 15, 200917 yr by ahb08