Denied Insurance For Dieting And Exercising *shock* Posted: 04-08-07 10:06am
It's laughable! Why? Well, let me tell you
a bit about me first. I'm 35yo, male. Up
to about 1.5 years ago I was ~315lbs.
Never really cared for the well being of
my health too much. Not that active
either. Tried to get health insurance. No
joy. The statements were all the same.
"Sorry sir but, your weight won't allow us
to give you coverage" "Well, how much do I
have to weigh?" "Can't tell you, sorry". I
tried 6 different companies. It was the
same story. These days I work out 6 hours
a week, cardiovascular exercises with
limited weights. I eat a hell of a lot
better too. I'm not so concerned with how
much I eat rather I focus on what I eat.
Eat more frequently, smaller meals and
snacks. Over the past year and a half I've
lost 55lbs. I could have lost a lot more
had I cut my caloric intake drastically
but, I've done the yoyo diets. Lose a lot
fast, gain it back and more almost as
fast. My philosophy is slow steady,
LIFESTYLE change. I feel great! So, I
figure I'm under whatever limit the health
insurance companies have. I call around to
those companies I've already tried,
mainstream companies first. "Yes sir, your
weight is within our coverage weights.
However, underwriting has determined that
we can't substantiate the reason for your
weight loss. Until your weight stabilizes
for at least 6 months to a year we are
unable to offer you coverage." What the
F*%#?!? I've worked my butt off for over a
year losing this weight and theres another
hoop to the insurance game? Hey I'm not
complaining about losing the weight. I did
it more for myself than the insurance
companies. So, this is where I'm at. In
limbo. No insurance. I'd like to keep
losing more weight. My goal is 220lbs. I'm
a tall guy. My ideal weight per the
government charts is 180lbs. Dunno if I
want to be that skinny. Still, I'm left
wondering if when I decide to stabilize
are they going to tell me another
excuse?!? Maybe, "Sir, we know you've been
exercising and dieting to lose weight from
our past discussions and we are unable to
offer you insurance coverage because you
haven't lost any weight in the past 6
months to a year. This is highly irregular
for a person attempting to lose weight.
Unfortunately, there is no way for you to
prove that you are or aren't trying to
lose weight. Perhaps in another 6 months
to a year we'll have another inane reason
to deny you insurance.".
Any suggestions?
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DoorIn
New User, Becoming EHEALTHy
Joined: 16 Aug 2007 Posts: 24 Location: Coral Springs, Fl
Re: Denied Insurance For Dieting And Exercising *shock* Posted: 08-16-07 09:05am
Short term major medical plan until you
qualify for something longer term.