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  642 People Lost in total 56576 lbs = 29.16 % Give us permission to add your before & after Weight Loss Photos |   |
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09-24-2007, 09:20 PM
| #1 (permalink) |
| Whipper Snapper Join Date: Aug 2007 Location: Somewhere in world
Posts: 40
Weight Statistics August 9,2007 Start Date:
8-6-2007 Surgery Date:
Height: 310 lb Start Weight:
220 lb Current Weight:
140 lb Goal Weight:
90 lb Weight Loss:
80 lb Lb Left to Lose:
29.0322580645 % % Lost:
March 29th 2009 Goal Date:
Body Mass Index 49 BMI Start:
34 BMI Current:
21 BMI Goal:
Weight Loss Method Roux en Y Gastric Bypass |  Possible changes in Life Insurance Policies after Bypass Hello, to all of you. I hope and pray that all of you are in the best of health. However, yesterday a insurance salemen from my mortgage lender came to my house yesterday so that my husband and I could take out a poicy to cover the house and ourselves just in case of an illness, death, etc... However, there were strict guildlines such as weight requirements in order to take out more insurance on our home( which included a nurse coming out to her home to check her weight and etc.)Therefore, I shared with the rep that i had had the gastric bypass and I will soon meet the requirement to take out a larger policy. The rep suggested that I take out the policy that doesn't require the nurse to come out to the home and before my medical record display that I had the bypass surgery. The rep explained that each person has a medical history that is shared just like your credit. Also, he explained that due to the complications and risk that are undetermined after surgery he explained that insurances may deny people that had the weight loss surgery. Was this a marketing technique or is he correct? 
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Yes, you can often get insurance cover for your Weight Loss Surgery. Our own Craig "Big-T" Thompson has been there and done that, and he's written an e-book about it.  |
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09-24-2007, 10:53 PM
| #2 (permalink) |
| Super Moderator  |  I have heard that all insurance carriers have designated gastric bypass patients as high risk from someone who runs an agency for the type of insurance you are talking about.
__________________ "In every job that must be done, there is an element of fun."   Just a li'l bit 'bout myself  |
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09-24-2007, 11:35 PM
| #3 (permalink) |
| Big Loser  Join Date: Aug 2007 Location: North Royalton, Ohio
Posts: 164
Weight Statistics June 4, 2008 Surgery Date:
5' 1" Height: 214 lb Start Weight:
194 lb Current Weight:
125 lb Goal Weight:
20 lb Weight Loss:
69 lb Lb Left to Lose:
9.34579439252 % % Lost:
Body Mass Index 40.4305294276 BMI Start:
36.6519752755 BMI Current:
23.6159634507 BMI Goal:
  | Why has it been deemed high risk? Because the really long term results (15-20ish years, I mean) aren't known? |
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09-25-2007, 04:21 AM
| #4 (permalink) |
| Seasoned Veteran  Join Date: Apr 2007 Location: Mount Vernon, NY
Posts: 7,369
Weight Statistics 4/1/07 Start Date:
4/19/07 Surgery Date:
5' 9" Height: 258 lb Start Weight:
151 lb Current Weight:
165 lb Goal Weight:
107 lb Weight Loss:
-14 lb Lb Left to Lose:
41.4728682171 % % Lost:
04/19/2008 Goal Date:
Body Mass Index 38.0957781979 BMI Start:
22.2963663096 BMI Current:
24.36357908 BMI Goal:
Weight Loss Method Roux en Y Gastric Bypass   | i think there was someone on here who actually got a rate reduction because of the bypass...cant remember who it was though sorry 
__________________ Anything worth having is worth working for Kenya R.  Lap RNY 4/19/07     |
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09-25-2007, 05:49 AM
| #5 (permalink) |
| Seasoned Veteran  Join Date: Jan 2007 Location: Hawaii
Posts: 3,626
Blog Entries: 9 Weight Statistics 07/23/2007 Start Date:
July 23, 2007 Surgery Date:
5' 2" Height: 230 lb Start Weight:
120 lb Current Weight:
125 lb Goal Weight:
110 lb Weight Loss:
-5 lb Lb Left to Lose:
47.8260869565 % % Lost:
June 23 2008 Goal Date:
Body Mass Index 42.0629552549 BMI Start:
21.9458896982 BMI Current:
22.860301769 BMI Goal:
Weight Loss Method Roux en Y Gastric Bypass | I am not sure how the housing insurance works but on anther board I post on she cant get medical insurance privately because she has had the surgery and they wont insure GBS people. She said if she worked for a large company they would have to accept her, but her going to try and get a private policy no one will touch her because of the surgery..HTH |
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09-25-2007, 06:51 AM
| #6 (permalink) |
| WLS Master Guru  Join Date: Apr 2007 Location: Upstate New York
Posts: 687
Weight Statistics 6/16/2007 meda-fast Start Date:
July 19,2007 Surgery Date:
5' 6" Height: 325 lb Start Weight:
201 lb Current Weight:
150 lb Goal Weight:
124 lb Weight Loss:
51 lb Lb Left to Lose:
38.1538461538 % % Lost:
no time line i just want it to be lost Goal Date:
Body Mass Index 52.4506427916 BMI Start:
32.4387052342 BMI Current:
24.2079889807 BMI Goal:
Weight Loss Method Roux en Y Gastric Bypass | 2 of my close friends that had the surgery actuly got the rate reduction. I think it must just depend were your getting it from.
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09-25-2007, 07:09 AM
| #7 (permalink) |
| Super Moderator | It may depend on whether you already have a policy, or you are taking out a new policy. Earthygirl (I think it was) got a reduction on the policy she already had, I think.
__________________ "In every job that must be done, there is an element of fun." Just a li'l bit 'bout myself |
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09-25-2007, 08:30 AM
| #8 (permalink) |
| WLS Guru  Join Date: Jan 2007 Location: Modesto, CA
Posts: 470
Blog Entries: 11 Weight Statistics 12/13/06 Start Date:
December 13, 2006 Surgery Date:
Height: 220 lb Start Weight:
150 lb Current Weight:
145 lb Goal Weight:
70 lb Weight Loss:
5 lb Lb Left to Lose:
31.8181818182 % % Lost:
Dec 2007 Goal Date:
Weight Loss Method Roux en Y Gastric Bypass | wow, i didn't know all this.... kinda wish i would have. This is obviously something nobody mentions while preparing for the surgery. i sure do hate to think, that i wouldn't be able to get medical coverage if i ever had to get it on my own and not through my company.And it sure doesn't make sense. I mean high risk surgery comes in many forms. I didn't know that because you have to have a "high risk" surgery to save your life, you may not be able to be covered by insurance in the future.... wow what a dilema, very interesting to say the least.
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09-25-2007, 08:39 AM
| #9 (permalink) |
| Guru In Training Join Date: Sep 2006 Location: currently Texas but it's not my home
Posts: 227
Weight Statistics 08/16/06 Start Date:
08/16/06 Surgery Date:
Height: 290 lb Start Weight:
199 lb Current Weight:
166 lb Goal Weight:
91 lb Weight Loss:
33 lb Lb Left to Lose:
31.3793103448 % % Lost:
12/31/2007 Goal Date:
Body Mass Index 46 BMI Start:
33 BMI Current:
26 BMI Goal:
Weight Loss Method Roux en Y Gastric Bypass | This kind of information would not have changed my mind in the least. I feel so much better now that I thank God every day for these new opportunities. It won't be long before some of these restrictions ease up. In the meantime, ANYTIME you have a 'high risk' surgery or something is done that changes your body structure (removal of kidney for instance) you will go into the 'high' risk category. This is not to say that you can't get insurance. I worked for BCBS for two years and can assure you there are always policies that by law have to take the high risk. The problem is this: they are darn expensive! If you keep your health good, even if you did have your surgery, you will always be able to find some sort of coverage. On a personal note, be very careful of supplementary policies. Often times they sound like such a good deal but in fact are long term fleecing. Take the same amount that you would pay for the supplementary policy and start putting it monthly into a money market account. You will have better end results most of the time. Just my two cents, R-Bren |
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09-25-2007, 08:42 AM
| #10 (permalink) |
| WLS Guru Join Date: Jan 2007 Location: Modesto, CA
Posts: 470
Blog Entries: 11 Weight Statistics 12/13/06 Start Date:
December 13, 2006 Surgery Date:
Height: 220 lb Start Weight:
150 lb Current Weight:
145 lb Goal Weight:
70 lb Weight Loss:
5 lb Lb Left to Lose:
31.8181818182 % % Lost:
Dec 2007 Goal Date:
Weight Loss Method Roux en Y Gastric Bypass | thanks for the info. And of course i would still have had the surgery. My health depended on it. It is just sad that when you do something to basically save your life, or give you longer life, you have to pay for it, literally. But again, thank you for the information. it is much appreciated.
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