Obesity is a health issue which is becoming more of a problem these days. The weight of an individual alone is not the underlying issue which makes insurance companies hesitant to offer insurance to those with pre-existing obesity but it is the wide range of health problems which often accompany a medical condition of this type. Whether one has an obese condition is inquired about when they fill out the initial forms for the insurance company and many companies will then put the individual in a category with other potential insureds who have a pre-existing condition of some sort. Learn more about this topic by clicking on the following links:
- Defining obesity: BMI
- Obesity and difficulties obtaining medical insurance
- Health coverage options for obese individuals
When is an Individual Considered to Be Obese?
The calculation which is used to define an individual as obese relates to the body mass index, or BMI. The BMI is calculated by dividing one’s weight (kg) by their height (meters squared). When an individual has a BMI of 30 or more, they are considered to be obese. It has been stated that one in five Americans is considered to be obese as they have a BMI or 30 or more.
Challenges Obtaining Health Insurance When Classified as Obese
When you or a family member goes to apply for health insurance through a particular insurance company you may find that you are met with some roadblocks. These roadblocks can accumulate if you have other pre-existing conditions or live a lifestyle which is seen as less than desirable by the insurance company. Since obesity has been linked to other illnesses such as certain cancers, cardiovascular diseases and diabetes, insurers look upon this trait as being something to be wary of when issuing insurance. In turn, the insurance company will often deny covering you at all or offer coverage but at a rate which is high when compared to those who obtain coverage and are not obese.
Insurance Options for Obese Individuals
There are options available to those with a pre-existing condition of obesity who wish to obtain health insurance. The exact options which are offered to you will depend on various factors such as the insurer, location of the insured, age of the individual and any accompanying pre-existing medical conditions which you face. Individuals searching for insurance should inquire with a number of different companies to see which one offers the best coverage plan in spite of their pre-existing obesity. As stated before, some may be higher in cost than others but by doing a comparison, you can determine which one is the least expensive to purchase.
In addition, it will also be helpful for those of you who fall within this pre-existing category to take certain measures to lose the weight such as start an exercise regimen and diet plan. This will show the insurer that you are trying to help get yourself out of this category and will ultimately be less of a claims risk to the insurer in the long run.