Anyone get new insurance just for WLS?

mandini76 · 06-11-2008, 07:30 AM

My current policy has an exclusion that my employer won't get rid of... so I am thinking about getting a second, part-time job. Someone recommended a national chain where you can get benefits by only working part-time AND their plans don't have WLS exclusions.

I have to work there three to four months before the insurance kicks in, and then what do I do? Can I apply right away for WLS, or will an insurance company not approve someone new to the plan?

the coverage is with AETNA.

MaidMarion · 06-11-2008, 08:22 AM

I know the insurance at my work which I don't have and at this rate probably won't even though it kicks in with permanent part time employment 20 hours a week for all 12 months, won't cover it for at least 12 to 18 months because it is a pre-existing condition.....yeah really??? I would say you would have to see the policy to know for sure. Do you know anyone who works there?

mandini76 · 06-11-2008, 08:33 AM

No, I don't know anyone who works there in my region.

I thought it was illegal to deny something based on pre-existing, if the person has had continuous insurance coverage?

gilliebean · 06-11-2008, 09:36 AM

don't know i know that aetna is a really good insurance to have for this surgery. As long as you haven't had your consult with the surgern it shouldn't be pre-existing. I did get second insurance cause my husbands employer also had it excluded. I pick up my insurance in nov. and had my surgery in jan.

mandini76 · 06-11-2008, 10:49 AM

Thanks Gill... when did you apply for the surgery? Did you have to cancel your first policy, or can you have two?

shome · 06-11-2008, 11:41 AM

Quote:

Originally Posted by mandini76

My current policy has an exclusion that my employer won't get rid of... so I am thinking about getting a second, part-time job. Someone recommended a national chain where you can get benefits by only working part-time AND their plans don't have WLS exclusions.

I have to work there three to four months before the insurance kicks in, and then what do I do? Can I apply right away for WLS, or will an insurance company not approve someone new to the plan?

the coverage is with AETNA.

I shopped for new insurance as soon as it was open enrollment with my husbands job. Our previous ins only covered 50%, which is good. But we couldn't afford that out of pocket. So now we have new ins that covers all of it except my office co-pay of $30 ea visit, $100 co-pay per surgeon, I have 2, $100 co-pay per night in hospital, & since they counted my EGD as a surgery I will have a $100 co-pay on that. So all in all I should have to pay $610.00 total. Plus someone in my life really blessed me & said if I would get a surgery date & go through with it that they would personaly pay $500 towards it!!!

God is good & has worked out all of the details for me ahead of time!!

gilliebean · 06-11-2008, 02:52 PM

i applied for my surgery in the end of nov. i have two insurances now and its allowed.

emily111 · 06-12-2008, 11:05 AM

I took my husbands insurance through his work just for the surgery. I will file in 2 weeks they made me do the 6 month thing. If I did not want the surgery I would have never took out the insurance because they charge an arm and leg :) But once I am approved it will be worth it!