SHELLE13   32,352
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Denied by a major healthcare provider because of my BMI...

Tuesday, October 18, 2011

It was a rough weekend. Yesterday was good and I went to the gym for an hour long Zumba class. My eating was within my points and I got my water in. This morning, I received my decision letter from the health company that begins with "K" (will refer to as K for the rest of this post) for health coverage. I currently have another healthcare provider and they deny everything and pay for nothing. K declined me because my BMI is too high and an abnormal pap. Although, nothing ever became of the latter, but it was in my history.

I am super frustrated....

Over this past weekend, I did not go out but made myself face a lot of the emotions I have been eating to get away from. I realized that a lot of my unhappiness stems from two things, my weight and my job. What I also realized is that I can change all of that. Recession or not. Fat or not. I can get a smaller apartment and possibly a roomate and cut my rent in half. This will help to prepare me for a major pay cut, which is what I will incur when I change industries. I hadn't planned on not having health insurance, although I went for years without it. How is it any different now?

It's very frustrating that an insurance company considers an overweight person as having a "pre-existing" condition and therefore be too much of a risk that you can't even take their money?! The crazy thing is, I am probably more healthy than the skinny people with a proper BMI. I am not on any medications related to weight, yet I am the risk. I don't smoke, yet they will take a skinny smoker. Its ridiculous...Aren't they (K) the ones that are always running eat healthy and lose weight ads? Beyond that, the K employee that helped me had a picture of himself on his K micro-site and he is also very overweight. Funny because he works for the company, yet they automatically accept him. But me, I am denied when I am paying out of pocket. It makes absolutely no sense.

Maybe this is the thing that I needed to happen to get so pi**ed off that I make myself healthier and happier...

  Member Comments About This Blog Post:

SHELLE13 10/19/2011 12:27PM

    Jerseyflower...yes! That's what it said. Height/weight ratio blah, blah, blah BMI. Yes, big blow...but I am going to lose this weight and NEVER get K insurance, even when I am skinny!

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JERSEYFLOWER 10/18/2011 9:09PM

    I got the same letter from a different company, company "A"! Blogged about it in February, I think. Mortifying, isn't it? It said declined due to "height/weight ratio" and "anxiety, note but not pursue" whatever the heck that means. Yes, I was successfully treated for anxiety. Keep on keeping on, my friend. This does not define you. They are stupid.

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SHELLE13 10/18/2011 3:04PM

    Thank you all. Yes, was applying for an individual plan because my employer doesn't provide insurance. I was trying to apply for K because my current insurance isn't paying for anything and it's costing me so much money just for regular things like prescriptions (birth control and sinus medicine), to the tune of about $200 a month, not including my monthly premiums which are $224 a month and they are raising it in December. Just frustrating...maybe it's a better value to have catastrophic insurance and go to Planned Parenthood for my Well Women exams. I dunno...I hate being poor, considering I work a lot. It makes no sense...

Comment edited on: 10/18/2011 3:04:40 PM

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LENKA763 10/18/2011 1:46PM

    yeah, I would be flustrated too.
They alway want your money , but never want to pay when the should.
I hope you will be able to get some decent coverage soon.
don't give up!

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CRYSTLE4HIMTX10 10/18/2011 11:56AM

    err that is frustrating. Hope you are able to find some insurance. emoticon

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CAPECODLIGHT 10/18/2011 11:43AM

    I assume you were applying for an individual health policy. I haven't heard of someone being denied on a group insurance plan (I'm sure the overweight employee that handled your app is covered under K's group plan). Insurance companies are very cautious on accepting people on individual health policies because of adverse selection.
Maybe you can get a catastrophic health policy. When I was between jobs, that is what I purchased. The premium was cheap. It has a high deductible, as it is only meant for serious health issues, e.g., hospitalizations, rather than day-to-day office visits and such.

Did you ask what your BMI would have to be to be accepted? That could be your first big goal on this healthier lifestyle journey. Good luck!

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Thursday, October 13, 2011

Not sure whats going on with my body. I am wondering if my weight loss last week was a fluke. I am back up to where I was the week before last, but haven't gone crazy. I am still within my points, but last week was emotional. Maybe that cause my weight loss?

I am a little worried about getting on the scale on Saturday. I don't want it to be a gain. I know my TOM is coming up and that could be part of it. But, I am going to make these two days great days!

On another note, I am wondering if weighing in each day helps or hinders me. I am scared to get rid of the scale. I was supposed to, but couldn't part with it!

Just thinking out loud...

  Member Comments About This Blog Post:


    Could be TOM or emotions. They often say on Loser that the stress causes issues with the scale.

I don't weigh every day as it stresses me out and it ebbs and flows. I just stick to my team challenge weigh-in days (Thurs/Sat).

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CRYSTLE4HIMTX10 10/13/2011 12:48PM

    Hang in there. I bet after TOM the pounds come right back off. emoticon

I know others say don't but I weigh every day. You have to do what works for you and if it discourages you or causes you to backtrack I say put them away.

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"Donít quit, COMMIT. Being healthy and fit is a choice you make every single day"

Tuesday, October 11, 2011

This morning, I open up Facebook and read a few stories...I get down to the Men's Health Magazine Quote of the Day. The quote is "Donít quit, COMMIT. Being healthy and fit is a choice you make every single day."

It is a great quote and I am glad that I "liked" Men's Health Magazine (for whatever reason). I have been thinking about this for the last hour or so...I think somehow in my head, health and fitness didn't tie into an EVERY SINGLE DAY thing for me. Maybe it's because we always hear to exercise 3-5x a week, not every day. Maybe it's because I have gotten in the bad habit of allowing weekends to be less disciplined than weekdays, so it's not every day. Maybe it's because I don't have something majorly wrong with my body that I see every day. Well, other than the fact that I am super fluffy compared to others. However, I don't know myself thin as I have never been thin. So what I see in the mirror is my so called "normal."

I think this quote has been very impactful to me. Not only because it is stated as something you do every day. But, it is also stated as a CHOICE. I can choose to be healthy or I can choose to be a tubba wubba. (Thank you WW boards for that lovely description! Tubba wubba). But it's true. It's my choice. The ironic thing is, if I keep choosing to be a tubba wubba, I won't get to have a choice anymore because health consequences will arise and I won't be in such a privy position.

Very strange. A lot of weight loss is about perception and all of it is controlled by your brain, not the body and not by food. Weight loss is all mind and never about willpower or weakness in the face of food. The latter is often what we tell ourselves. I know, I have been there.

It's time for a change and a new perception.

  Member Comments About This Blog Post:

GOCELTICSGO 10/11/2011 10:47AM

    positive spirits!!!!!

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Busting open the emotional flood gates...and losing! (Weight that is...)

Saturday, October 08, 2011

This week has been say I am under a lot a stress would be an understatement. Financial stress is the worst thing in the world and I am utterly convinced that I hate money. It is the cause of so many problems and is even worse when you don't have any.

So this week was more than challenging, but I broke down emotionally. I am not a crier, never have been. However, I think I have cried more in this week than I have in the last 10 years. Therapeutic, some would day. But it is not in my nature to do this. However, last night, I finally slept for the first time in what seems like years! It was so nice to wake up rested. It has been so long since I felt that way...

Also this week, I didn't let myself eat emotionally. This was difficult, and I think the result was tears. So, is essence, it was a good week for me. Very hard. Very difficult to deal with. But, it also showed on the scale. Down 2.6! I couldn't believe it. I think this journey is going to be even more difficult than I had ever imagined...and maybe that's why I have reverted back to old habits in the past.

The difference this time is, food is not working to soothe myself. It is not bringing me the comfort that I used to seek and find. When that doesn't work and you are an emotional eater, you end up opening the flood gates of emotion and let me tell ya! It wipes you out!

Despite all that, I think that sometimes, well in my case, it is probably the best thing I can do for myself.

  Member Comments About This Blog Post:

SHAREDJOURNEY1 10/8/2011 7:09PM

    As an emotional eater, I applaud your insight. Great work on the journey. Prayers that your financial issues get easier.

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HDHAWK 10/8/2011 5:01PM

    emoticon Congrats on your loss!

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JERSEYFLOWER 10/8/2011 4:18PM

    Yay! You are *feeling* your emotions instead of numbing them with food! This is huge progress, a really big hurdle for so many of us. Congratulations! ...even though it meant that you had a tough week. Keep up the great work!

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CRYSTLE4HIMTX10 10/8/2011 3:18PM

    emoticon Great self discovery and weight loss this week. Loved the image of the flood gates. emoticon

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What do you do with YOUR evenings?

Thursday, October 06, 2011

This is the first time in a few years that I have not been in school. It is a hard adjustment, especially since I don't particularly like my job. I am finding in the evenings that I have my biggest troubles with eating. I do fairly well during the morning and afternoon, but at night is when I usually have a problem going over points. This has been true for as long as I have been a WW'er.

So last night, I realized that it's probably because I don't DO anything. I sit on the couch and watch TV. Now...there is absolutely nothing wrong with doing that after a long work day. I get it. However, I have a problem watching TV and NOT eating. The two have seem to be connected in my world somehow and I need to learn how to not do that.

I was thinking, other people must do something else with their evenings besides watching TV (or shuttling kids around). So, what do you do? How do you keep from falling into the couch/food habit, if you have that habit? Just curious...

  Member Comments About This Blog Post:

JERSEYFLOWER 10/6/2011 10:18PM

    Read. Knit. Take a class at a community college for no credit, just for fun. Join a group that meets at the library once a week. Make one night "social night" to meet up with a friend. Take a Zumba class with a friend.

Those are some of the things I've done!

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ILLINITEACHER52 10/6/2011 7:19PM

  I do projects in the evening. The year I made cross-stitch angels, I lost 5 pounds by having my hands busy so that I couldn't eat.

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CRYSTLE4HIMTX10 10/6/2011 12:35PM

    I use the computer while I watch tv in the evenings.

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FLARETIREE 10/6/2011 11:36AM

    I have the same problem, so I shouldn't be commenting. But I have to. That little baby in your background is ADORABLE!

I'll come back later to see what others have said.


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