 Buying insurance against an event with fixed probability, what should the insurance company's profit margin be |
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 I have a question about pre-existing conditions? |
| Okay lets say you & your kids have health insurance & all is going good & then you find out your child has a disease due to a genetic mutation like sickle cell or rett syndrome...would ... |
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 Can someone legally take out a life insurance policy on another person without their knowledge? |
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 Lost/stolen wallet? |
| I just canceled my debit card. but i have all my id in there, including my bank card and my social security card. what do I do about that?... |
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 Will i get my money back? |
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 Life insurance claim? |
| My partner of nine years past away while using a drug called ketamine. He never used drugs before but decided to experiment. I am wondering if I am going to have a problem collecting on the life ... |
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 25% rule for insurance coverage in replacing your roof? |
| We just had a hail storm in our area and our insurance agent claims that just the back half of our roof was damaged in the storm. In talking with a roofer, he said that there was a rule that if the ... |
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 What do u do about your credit after being hit in a car accident, I was walkin. bills are mounting until court |
| I have been off work since the accident. the insurance company isn't paying the medical bills fast and they are going to collection. Hurting my score!!! What can I do?... |
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 Laid Off but want to work temp jobs, Will I still get UI if I have no more temp work after a while? |
If I am laid off in October but obtain temp jobs for 3 months or so, if there are no longer assignments available, can I then apply for unemployment, or will it be too late?
I want to make ... |
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 My Daughter Lost Everything In Apartment Fire... What Else Can She Do? |
| She has just $3,000 in renter's insurance. The fire broke out on New Year's Eve, in Virginia Beach, while she was up here in NY home for the holidays. It was fault of a tenant, smoking ... |
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 How does homeowner's insurance cover belongings? ? |
Maybe this is a stupid question, but I'm new to this.
So my fiance and I bought our first home pretty recently. Yes, I'm a bad person and did not read through or understand ... |
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 Covered Auto or Mobile Equipment??? |
| If a client has a truck which no longer is licensed for road use, and is only used on the business property to move supplies, should this type of vehicle covered under the commercial auto policy, or ... |
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 How can insurance companies be allowed to screw people? |
| My mistake was making a phone call to my insurance company to make a claim. We had a bad storm and it rained in my house, well the carpet got wet and the water leaked down the wall in my bedroom ... |
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 Worker's Comp process and when do we need an attorney? |
I am a nurse, and work on the insurance side of medicine. I need advice from anyone who works in Worker’s Comp.
Not a lot or room so make it quick. 33 y/o f Rt. Radial nerve damage at ... |
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 What can landlords do to reduce risk of lawuit when renting to tenants with dogs? |
| I have some prospective tenants who have dogs, one of which is a Pitt bull. Even though these particular dogs may be gentle, the fear is that if they get out and injure someone, I, as the property ... |
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 Life Insurance Policy paid in full? |
Is it possible to purchase a million dollar life insurance policy, at the age of 22, in FULL for 60,000.00, and pay no premiums ever again?
Will the policy pay whenever I die? Even if I ... |
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 Why are Insurance company paying for underage girls to have babies ? |
| That should not be happenings then we as a whole have to pay more for insurance?Let the parents pay for the unwed babies not the insurance company?... |
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emerys4christ | Who will cover lap-band surgery? |
Just wanted to know if anyone knows of any insurance companies that will cover lap-band surgery. |
 |
 
JB
|
I agree with Zarnev, if you are looking for an new individual insurance plan to cover lap-band surgery I doubt you will find one that will take you if you need the surgery. It's a catch 22.
However, if you are trying to choose between different plans that you qualify for (say from a new job), it depends on the group insurance contact. My insurance has a specific exclusion to weight-loss surgeries all together. My parents have the same insurance provider and theirs doesn’t. The only difference was the companies we worked for. My dad's company willing to include weight-loss in his policy, mine wasn't
At http://www.obesityhelp.com/morbidobesity/members/insurers.php they list common experiences among different insurance companies in each state. You may be able to find an insurance company in your area that will cover it. They are pretty accurate I found. The list included items like what are the requirements (BMI, DR care etc) and how individuals get it approved.
If you really want to have it done, find a doctor and have a consultation. Most places will do the initial one free. Your doctor's staff will more than likely know if an insurance plan will even consider coverage. They may also have financing available. I paid 100% cash up front (I cashed out my 401K, I figured I would be dead by retirement anyway if I didn't do something), but my doctor did offer financing. |
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Zarnev
 |
If you are looking for an individual plan that you could get to cover the surgery I'm sorry to say you are out of luck. There are several companies that will cover the surgery but they all have height and weight guidelines. If you are a candidate for surgery, which in most cases is a BMI greater than 40, you will be out of the guidelines for all individual plans. Your only option would be to get a group policy through an employer. They will accept you into a group plan and will cover the surgery IF that policy includes the procedure although there may be a waiting period. |
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Leah S
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They may see this as cosmetic if you are in the normal weight range. However if you are over weight and it is affecting your health that may be different |
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Sandy S
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Some will many will not. My niece just when through hades to get her company to approve the surgery, it took 3 1/2 months of constant nagging from her for them to address her concern.
Who does is not really important, does YOUR insurance company? Call and find out. |
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Katie
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A lot of them do if it can be proven that it's medically necessary. Usually you need to have a certain BMI. |
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mbrcatz
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Your best bet, depending on what state you are in, is to get on a group policy through your employer.
If you're overweight enough to need it, most insurance companies won't want to give you a health insurance policy, because, well, they'll figure you're trying to get them to pay for the lap band.
If it helps, it's NOT effective in the long run, and has serious side effects, and can even result in death. It's NOT a good plan for weight loss, if that's your goal. |
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