ylimemagic

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Well, here is my current situation. My health insurance right now if Rocky Mountain Health Plans. In May, when I started talking to my PCP about WLS, I had high hopes that this insurance would take me all the way. Almost immediately I figured out that they have a blanket WLS exclusion. So I cried and had a woe-is-me day. Plan B: Wait until my husband's insurance had open enrollment in September and jump ship from RMHP and move to CNIC. I called CNIC 6 weeks ago to ask about exclusions and the person I talked to said no exclusions...but didn't sound super confident. I ignored my gut instinct that told me to double check. I wanted to believe that this was the insurance that would work for me. Well, open enrollment period is fast approaching and I was getting more and more excited. I have been seeing my PCP monthly to document weight loss attempts to get a "head start"...I felt ready. Yesterday I called CNIC. I learned that they are a subset of RMHP and had my first "oh crap" moment. When I finally got ahold of the person in charge of my husband's group benefits, she told me that there is a WLS exclusion. AAARRRGGGGHHHH! So on to Plan C: I am researching private insurace providers. There is an Anthem BCBS plan that several people I know joined. My surgeon's website has reported that they work with Anthem BCBS. So now I am waiting on the insurance rep to call me back with rate information. I am worried about the possibility that I have created a pre-existing condition with all of the weight tracking with my PCP...but I can only do what I can do. My thoughts on the pre-existing condition situation is this: You can see my height and weight when I apply to your insurance. Naturally, you can tell that I am mo. I have not met with the surgeon I want to work with yet because I am avoiding the pre-existing exclusion. I can't think of what else to do. I am a little out of ideas...right now I don't have Plans D-Z thought out. I know I can't afford to pay out of pocket right now. So I find insurance, or I wait. The waiting option makes me feel totally despondent and depressed. Here's to hoping that Plan C is the horse to bet on!