LAP-BAND® Surgery and LAP-BAND® Discussion Forum - View Single Post

**Alexandra** · 11-05-2006, 07:36 AM

Hi Bullwinkle,

If you're being added to your husband's policy during open enrollment, then in general, pre-existing condition exclusions don't apply. Rules vary from state to state, but whether you're enrolled and whether they cover the surgery are really two different issues.

You already have the information you need, so there doesn't seem to be a good reason to call the insurer back. Wait until you're actually ON the plan, and then call and pester them to your heart's content.

I'm not saying this because they might not put you on the plan--I doubt VERY MUCH that's a decision they can make based on your health--but because until they are talking about a specific person and medical situation there is little the carrier will tell you "for sure." I'm an insurance broker and know from experience that until we're talking about some specific covered individual I won't get anywhere with a carrier rep.