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 Posted: Tue Jun 29, 2010 10:34 am Post subject: Medical insurance for obese women |
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I don't have any medical insurance through my job. Though I lost about 120 pounds during the last year, my coverage application was denied. Am I too fat to get one?
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Prestongeorge
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| Posted: Tue Jun 29, 2010 10:21 pm Post subject: |
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| Quote: | | Am I too fat to get one? |
Don't know..what was the reason they denied you?
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Lori
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| Posted: Wed Jun 30, 2010 4:17 am Post subject: insurance |
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| LORI.....I have a question, pertaining to obesity. I have a 'client' who has no Insurance at all. She is very overweight. She was told, by a few Insurance companies, because of her "pre-existing condition (being very overwight) that she was denied. Can an Insurance company (legally?) deny someone for that particular reason? |
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sdchargersfan
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| Posted: Wed Jun 30, 2010 11:39 am Post subject: |
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| Quote: | | Can an Insurance company (legally?) deny someone for that particular reason? |
sure they can, they all have underwriting depts, and can decide what 'risks' they will take and what they won't.
check your states dept of ins website, you may be able to find some for her thru there, however, no question it would be very expensive.
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Lori
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| Posted: Thu Jul 01, 2010 6:02 am Post subject: |
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| Lori, is it true that the carriers may deny obese applicants even when they don't have any other existing health conditions? I don't see any particular reason for them to be scared under situations where the applicant is really trying hard and taking positive steps to get reduced? |
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steven
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| Posted: Fri Jul 02, 2010 1:45 am Post subject: Insurance |
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| I have extreme depression due to the way I look I lost 40 pounds after giving birth to my beautiful twins due to my pregnancy and C section I have extra skin can I get coverage for that? |
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drumbrat
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| Posted: Fri Jul 02, 2010 3:41 am Post subject: insurance |
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| LORI..I really have to 'give credit' to this particular 'client' I've been talking about. She IS losing weight (walking, trying to do exercise, etc.). You would think that an Insurance company would give her that 'credit' (lack of a better word). No doubt it would be expensive, if she could find some. Thanks for the advice. |
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sdchargersfan
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| Posted: Fri Jul 02, 2010 6:11 am Post subject: |
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If you've lost all the weight during the past 1 year, your insurance co. won't count on your current weight. They'd probably add half of the weight loss back to your current weight and then decide whether to go about covering you for the same.
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sil
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| Posted: Fri Jul 02, 2010 1:05 pm Post subject: insurance |
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SIL....my 'client' has told different Insurance companies all of the details (losing alot of weight, etc.). However...it just seems like that 'accomplishment' doesn't matter to them. They STILL say "high risk." Hope you follow what I'm saying.  |
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sdchargersfan
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| Posted: Sat Jul 03, 2010 6:21 am Post subject: |
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Did your client lose weight consistently over a period of 2 years or more? Or is it that she lost it during one single year?
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sil
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| Posted: Sat Jul 03, 2010 4:29 pm Post subject: insurance |
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| She lost about 70 pounds (so far). But, it took a few years to do it. |
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sdchargersfan
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| Posted: Sun Jul 04, 2010 1:54 pm Post subject: |
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| Quote: | | I have extreme depression due to the way I look I lost 40 pounds after giving birth to my beautiful twins |
Every time depression starts, just look at those beautiful babys and remember this is what you got for a little hanging skin...it's all subjective and what YOU make it... | Quote: | | due to my pregnancy and C section I have extra skin can I get coverage for that? |
I would think it would HAVE to be a medical (NOT cosmetic) need to get any carrier to cover a tummy tuck.
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Lori
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| Posted: Sun Jul 04, 2010 4:00 pm Post subject: |
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@SD charger: no insurance company is going to underwrite based on what a potential client is trying to accomplish. Let me give you this analog. My client hasn't smoked a cigarette in 3 months is he or she still going to be considered a smoker by the insurance carrier? Most likely yes.
Weight loss can take a lot of commitment but still most insurance companies are going to require a few years of a healthier weight before feeling comfortable about assuming the risk. There's a reason this individual got to that weight in the first place. Maybe, hopefully, she'll never return to it, but if you were betting your money on it, you'd likely want her to prove that she can keep it that way for a while.
I know you see someone who has made an amazing effort to control her weight problem, but also keep in mind that insurance companies underwrite on aggregate and average assumptions; i.e. even though they underwrite individually, underlying assumptions from which they base their decisions are based on how things tend to work from a macro, not micro, point of view. |
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BNTRS
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| Posted: Sun Jul 04, 2010 4:03 pm Post subject: |
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| Quote: | | Lori, is it true that the carriers may deny obese applicants even when they don't have any other existing health conditions? I don't see any particular reason for them to be scared under situations where the applicant is really trying hard and taking positive steps to get reduced? |
Absolutely they will deny based on obesity, it is a serious health condition, which leads to even more serious health conditions like hypertension, heart disease, and diabetes. |
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BNTRS
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| Posted: Sun Jul 04, 2010 4:06 pm Post subject: |
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| Quote: | | I have extreme depression due to the way I look I lost 40 pounds after giving birth to my beautiful twins due to my pregnancy and C section I have extra skin can I get coverage for that? |
The short over simplified answer to this questions is if you can find a psychiatrist who will diagnose you with clincal depression over the situation, you might be able to get your medical insurer to cover the operation.
Be forewarned that it's not an easy task.
Ususally plastic surgery will not be covered unless there is another medical condition that makes it necessary, and ususally depression doesn't count. |
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BNTRS
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