39m, 5'8, went from 282 to 214 in about 19 months doing cico. this post is not really about the weight loss, its about what happened when i tried to get paid for it.
when i got my life insurance at 282 they rated me up for the weight and i pay 84 a month. in february i realized im 68 lbs lighter and probably shouldnt be paying the same price anymore, so i asked them to redo my rate. i want to be honest that this was not about health or feeling good about myself, it was about 20 something dollars a month.
the online form asks the reason for the weight change and the only option that fit was "diet and exercise", which felt like lying because there was no exercise, i just weighed my food for a year and a half. i picked it anyway.
two weeks later a woman from the company called me for whats called a phone interview. i told her the numbers, kind of proud honestly, 282 down to 214. she went quiet for a second and then asked if the weight loss was intentional. i said yes, very. she said ok and then asked when my last physical was, whether i have night sweats, and if anyone in my family has had cancer. it turns out losing weight fast without a documented medical reason is a red flag for being sick, and my documented reason was an app on my phone.
then it escalated. they scheduled whats called a paramedical exam, which means a nurse came to my actual house on a tuesday morning, set up at my kitchen table, took two vials of blood, measured my waist (she apologized for her hands being cold, they were), and asked me the cancer questions again while my wife made coffee that the nurse never drank. they also requested 5 years of records from my doctor, and his office called me slightly annoyed about it because apparently the request came by fax.
the dumbest part is that it got in my head. i did all of it on purpose, i have 19 months of logs, and i still spent a night googling unintentional weight loss at 1am because an insurance company sounded suspicious of me. when i saw my doctor he said the letter they wanted takes him 5 minutes and that i was not the first person to get flagged for getting healthier.
last week, 4 months after i filled out the form, the letter came. new rate approved, 61 a month. so 23 dollars a month back, for two vials of blood, a nurse in my kitchen, an annoyed receptionist, and one night where i convinced myself i had lymphoma.
the woman on the phone had mentioned that in 2 years i can apply again for their best health tier if my weight is stable. she said most people never bother doing that. i will absolutely be doing that.
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