I currently have BC HMO in So Cal. I just got my firs denial letter. My BMI is 35 and I diabetes II, high cholesterol and sleep apnea. I have been through every diet program in the las 10 years. I have been cruising the boards and notice that most have better luck with PPO. I am considering changing to PPO which will cost approx. $200 per month for the next 10 months. I am trying to figure is it worth it and how much it would cost as a PPO. Is there anyone out there that can shed some light on this for me. Thanks much.

Woman in weight "n"

I'm sorry you were denied. That was my biggest fear when I was waiting, too.

Did the insurance company say that they denied you because your BMI is 35? I would talk to them and ask about an appeal process, if it were me.

There is no guarantee that you'll be approved with a PPO. I'd ask alot of questions of the insurance company. Hopefully they will be helpful to you in letting you know what their approval process involves. I also have BCBS - an EPO which is similar to an HMO, and my approval was a breeze, but I met all of their qualifying criteria. Is it possible that there is some criteria in the policy that was set by your company, that you don't meet?

Good luck to you!