What do you think?

[Guest guest]

Ok, I am almost finally ready to send in my on line info to start the

ins ball rolling. My question is....should I start now, or wait

until

the begining of next year...this is why I wonder:

I spoke with my pcp asking if he knew of any insight to wheather or

not the ins (hmo) would cover this (WLS). He said that he wrote the

ins a letter asking this for my hubby some time ago, and the answer

came back something to the point that they would only consider it

there was x months of dr supervised diets, etc...

Anyway, our open enrollment is the end of the year, I am afraid that

if we (both hubby and myself) start the 'diets' ect, for the ins

games this year, that they throw a exclusion clause in for next year

by time we would have completed the ins game 'diets' and failed, it

would be all for nothing.

Should I wait until next ins term to persue this so that the 6 mos of

required diets would all come under one insurance year and we could

proceed??? Although this is still no garuntee that we would be

approved, they could string us along for some time and into yet

another year and toss in an exclusion...

What do you all think? We are really tired of being so big, and

miserable, and discriminated against. We both really want this

surgery bad.

Thanks for your inputs,

Pookie (another , but for clarity, will remaine Pookie) )