Aetna/US Healthcare

[Guest guest]

Hi everyone,

It's me - Eileen from Clearwater MGB Hopeful.

I have a question about Aetna Health Insurance. Open enrollment is

available throughout Florida for small business

owners (that's me) throughout the Tampa Bay area throughout the month of

December. The effective date of coverage is February 1, 2001.

Please forgive me but I know 0 about health insurance per say. I did

purchase a plan through Alliance a few months ago

but it doesn't cover any type of what they call morbid obesity surgery. I

then applied to Florida BlueCross/Blue Shield

who set out a paramedic to get a HE&UP, VS, Blood Work, Urine , Ht. AND -

OH NO - WEIGHT. I guess you are all figuring what's coming next. Right

on - The insurance broker called some weeks later ( I was looking in the

mail box everyday hoping not to get a call but to receive a card) stating

that he had bad news for me. I was denied because of my weight - 250 and my

cholesterol 250. Isn't it crazy. Some numbers we want to be high -

savings, stocks, bonds, mutual funds Etc-etc and some numbers we want to be

low. Age, weight, cholesterol, triglycerides -waist, dress size etc, etc.

HOW COME i'M ALWAYS on the wrong side of the numbers??????? If all of this

was not so sad it would be funny!!!!

Now my situation is this: I've applied for a loan and all those folks seem

happy, optimistic and jolly. I met the very pretty thin real estate

appraiser lady yesterday. She took pictures said that everything was

wonderful. She seemed happy, optimistic and jolly.

Now back to the loan sharks (oh excuse me) I mean the wonderful folks at the

lending institution Last Friday I was told that I had been pre-approved and

they did not see any problems with my getting the loan. Yesterday - the

real estate lady told me that my property was lovely and assured me that

she would give me an excellent recommendation. I'm not sure just who the

folks are that will be getting the recommendation and that they would have

it today 11-22-2000 before 4:00PM. It was her experience that I would be

called as soon as they received her faxed report. Cell, pager, home, office

and work phones

have beco me very quiet.!!! Sorry this is so long. Am I becoming obsessed??

Next plan - I placed a call to the fell (health insurance broker) who sent

me the Aetna(United Health) plan. Naturally he's away for the Thanksgiving

holidays. I really took time to look over the application this afternoon.

Even went to the Aetna

Website. There were a lot of good things said about the insurance but be

darned if I could find the exclusion page. GOLLY.

MY question to you guys is --If I go ahead and a apply and receive this

Aetna HMO (no paramedics, blood test, urinalysis

VA, ht, wt etc I guess because it's a large group (instead of me alone on an

individual-lone policy ) coverage at $265.00 per month then could my pip

refer me to Dr. R in N.C. There's something I've heard about coverage only

being within the framework of the network etc etc. Too much.

I can see cl early now why Dr. R wants us MGB hopefuls to see a

shrink before we are accepted for the dance. This fantastic process (loans,

insurance, packets etc) is truly a barrel of fun.!! Then of course if all of

this " presentation " fails who will go forward and carry our flag?? Shades of

" Glory " . Did anyone see that civil war movie??

Can you see the shrink's face now as I waddle into his office carrying my

black tutu and unlaced toe shoes. What will be his response when I tell him

that I'm depressed because I was passed over for the part of the dying swan

in Swan Lake at

Dr. Rutledge's theater in Durham, NC. Do the police arrive with handcuffs

for me at that time????

Seriousely, does anyone out there in MGB land want to touch this issue of

mine. Please don't tell me to keep the Alliance insurance in effect because

it just appears that hat I might be needing it. No - I'm not going to read

the fine print regarding

critia for admission to the local funny farm. *My computer just said Cut and

Paste* Bye Bye

In summation - could some learned soul please contact me if I wasn't deleted

many paragraphs ago. Bottom Line -Should I get the Aetna Health Insurance.

Thanks so much. for those of you who are still with me. If you are still

awake and I get the loan - I know- I know where's your part of it.. Right.

Hee hee

I remain,

Eileen from Clearwater, Fl MGB hopeful

[Guest guest]

In a message dated 11/21/00 6:57:47 PM Pacific Standard Time,

elehmann@... writes:

<< Eileen >>

Hi Eileen:

I have Aetna US Healthcare and I was covered 100%. I live in California and

Dr. R was in my network. I had no problems getting approved. Everyone I

have talked to who has Aetna has been approved also.

Good luck.

Christy / CA

MGB 11-8-00

[Guest guest]

Hi everyone!!

My name is Lynnette and this is my first post. I have been reading all the

posts that you have out here. I started my research in July 2000. My PCP

was very supportive. Although he did refer me to someone here in Virginia.

He performs the lap RNY. I am glad to hear that Aetna approves patients for

WLS. I have severe asthma and denenerative joint disease. I am still

waiting to hear from the insurance company. It is great to hear all the

success stories and also good to hear of those that may have had some

problems. I to get scared. This is a huge step to take. I am glad to have

found this group.

Best wishes to all,

Lynnette in VA

[Guest guest]

Welcome to this wild and crazy group...it is the best and you will find all

the support in the world...Hope all goes well with you and you are on the

other side of WLS before long..

Zoey

4/20/2000

[Guest guest]

Welcome, Lynette. You've found a home. Whatever you need, you'll find it

here.

Good luck in your research and with your effort. PhillyJude